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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

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Written by
Alex Cook
Published on:
Content was accurate at the time of publication.
Why use LendingTree? We are committed to providing accurate content that helps you make informed money decisions. The content on this page has not been reviewed, approved or otherwise endorsed by any credit card issuer. We do maintain partnerships with some issuers, and our site may be compensated through those partnerships. Read our

Editorial Guidelines

At LendingTree, we are committed to providing accurate and actionable content that helps you make informed decisions about your money. Our team of writers and editors follows these key guidelines:
  • We thoroughly fact-check and review all content for accuracy. We aim to make corrections on any errors as soon as we are aware of them.
  • Our partners do not commission or endorse our content.
  • Our partners do not pay us to feature any specific product in our content, but we do feature some products and offers from companies that provide compensation to LendingTree. This may impact how and where offers appear on the site (such as the order).
  • We review and interview both external and internal reputable sources for our content and disclose sourcing in our content.
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green-ribbon-image

Chase Sapphire Preferred<sup>®</sup> Card

Chase Sapphire Preferred® Card

apply-now-icon Apply Now
on Chase's secure site
green-ribbon-image

Chase Freedom Flex℠

Chase Freedom Flex℠

Chase Freedom Flex℠*

Chase Freedom Flex℠ Chase Freedom Flex℠
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.5
Learn More
on Chase's secure site
Intro Purchase APR0% intro APR on purchases for 15 months
Annual Fee$0
Regular Purchase APR20.49% - 29.24% variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good/Excellent
Get Your Free Credit Score

$0 annual fee
Long intro APR on purchases and balance transfers
Rotating quarterly bonus reward categories

Foreign transaction fee
Low rewards rate on purchases outside of bonus category

The Chase Freedom Flex℠ is a great way to earn more rewards each quarter. It offers quarterly 5% rotating categories on common spending areas like Amazon, grocery stores, wholesale clubs, gas and more. Like the Chase Freedom Unlimited®, you can also use the rewards from this card as Chase Ultimate Rewards® points if you have another points-earning Chase card.

Who’s eligible:

Applicants who are not currently Chase Freedom Flex℠ card members and who have not received a new cardmember bonus on the card within the last 24 months.

  • Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
*The information related to the Chase Freedom Flex℠ has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred<sup>®</sup> Card Chase Sapphire Preferred<sup>®</sup> Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.7
apply-now-icon Apply Now
on Chase's secure site
Intro Purchase APRN/A
Annual Fee$95
Regular Purchase APR21.49%–28.49% variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score

Valuable, flexible points
25% bonus on Chase travel redemptions
Transfer points to 10+ partners
Great travel protections

$95 annual fee
Requires excellent credit

The Chase Sapphire Preferred® Card offers one of the most valuable and flexible sign-up bonuses currently available. It’s worth at least $750 toward travel when used in the Chase travel portal, or possibly even more by transferring it to Chase’s travel partners.

Points can be redeemed for airfare, hotels, rental cars and more. The card does come with a $95 annual fee, though the value of the sign-up bonus more than makes up for the annual fee in the first year.

Who’s eligible:

Applicants who are not currently cardmembers of any Sapphire credit card and who have not received a new cardmember bonus on any Sapphire card within the last 48 months. You’ll also need to be under Chase 5/24.

  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Credit Cards Our Ratings Intro Annual FeeIntro Balance Transfer APRRegular Balance Transfer RateIntro Purchase APRRegular APR
Chase Sapphire Preferred<sup>®</sup> Card
Chase Sapphire Preferred® Card
apply-now-icon Apply Now
on Chase's secure site
4.7
N/AN/A21.49%–28.49% variableN/A21.49%–28.49% variable
apply-now-icon Apply Now
on Chase's secure site
Chase Freedom Flex℠
Chase Freedom Flex℠*
Learn More
on Chase's secure site
4.5
N/A0% intro APR on balance transfers for 15 months20.49% - 29.24% variable0% intro APR on purchases for 15 months20.49% - 29.24% variable
Learn More
on Chase's secure site
*The information for the Chase Freedom Flex℠ has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.

Alex Cook

  • Expertise: Personal finance, financial planning, small business
  • Education: University of Michigan

 

Alex Cook is a former staff writer who covered various personal finance topics for LendingTree, including personal loans, small business lending, studies, surveys and assets content.

Before joining LendingTree, Alex worked as an SEO specialist for a digital marketing agency, a freelance sportswriter and a legal assistant, often applying his skills as a writer and editor.

Alex earned a bachelor’s degree in English from the University of Michigan and is based in Grand Rapids, Mich.

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The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.

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