Chase · card facts

Chase Freedom Flex

No annual fee with rotating category upside.

WELCOME BONUS20k pointsSpend $500

ANNUAL FEE$0First year: $0

CREDITSNone$0/yr advertised

LOUNGE ACCESSNo lounge access

Dollar estimates below use $3,000/month benchmark spending and TPG's August 2026 points/miles valuation. Lounge visits are not assigned a dollar value.

Year 1 · best case

+$1,738

Welcome bonus · TPG est.+$410

Full advertised annual credits+$0

Rewards on $36,000 benchmark spend+$1,328

First-year annual fee−$0

Keep / year · best case credits

+$1,328

Definitely keep

This recurring estimate uses the full advertised credit amount. The None label tells you how realistic it may be to capture all $0 of those credits.

Advertised credits$0

Credit difficultyNone

TPG Aug. 2026 value2.05¢

Annual fee$0

Fee minus advertised credits$0 net

Credit details

$0 advertised per year · None to use fully

No recurring card credits are modeled for this card.

Lounge access

No lounge access

No lounge access included in the current dataset.

Compare all cards →Read the methodology

Offer accuracy: Card offers and benefits change. Verify current issuer terms before applying. The credit amount shown is the advertised total; difficulty labels warn about restrictions rather than discounting the credit to a made-up personal value. Affiliate disclosure.