Chase Freedom Flexmastercard

The Chase Freedom Flex has a $0 annual fee.

Earns 1x other, 3x dining, 5x rotating, 3x drugstore.

Includes 6 months of complimentary DashPass and 2% cash back on Lyft purchases through September 30, 2027.

Earns 5% on up to $1,500 in combined activated rotating quarterly bonus categories, 5% on travel booked through Chase Travel, 3% on dining and drugstores, and 1% on all other purchases.

Charges a 3% foreign transaction fee on purchases made outside the United States.

The card confers no automatic hotel elite status.

The card provides no airport lounge access.

The 5% rotating categories must be activated each quarter and are capped at $1,500 in combined spend per quarter, after which earnings drop to 1%.

Earn $200 cash back after spending $500 on purchases within the first 3 months of account opening.

Rewards transfer to Chase Ultimate Rewards airline/hotel partners (e.g. Hyatt, United, Southwest, British Airways, Marriott, IHG) at 1:1 only when paired with a premium Chase card such as Sapphire Preferred or Reserve; on its own, points are worth 1 cent each as cash back.

Includes trip cancellation/interruption insurance up to $1,500 per traveler ($6,000 per trip), secondary auto rental collision coverage, and cell phone protection up to $800 per claim ($1,000 per 12 months, $50 deductible) when the phone bill is paid with the card.