GET UP TO
5% cashback on everything












Designed to reward the ambitious.
Start at 3% cashback*. Run your business on Flex and the same card earns up to 5% cashback. All with no annual fee.
Exceptional access to Flex Travel
Use Elite points toward travel bookings through our full service concierge, and enjoy exclusive benefits at the world's most coveted hotels.
















Flex Elite brings personal credit, premium rewards, and exceptional travel all in one place. One login and one platform, built around you.
The most rewarding personal card in your wallet.
Get up to 5% cashback* on everything, no exclusions and points that never expire.
No annual fee and no hidden charges
Earn 3% cashback*, before your rate even starts climbing.
Additional perks
Trip Cancellation & Interruption
Trip Delay Reimbursement
Lost Luggage Reimbursement
Auto Rental Collision Damage Waiver
Purchase Security
Extended Warranty Protection
Return Protection
Emergency Card Replacement
Zero Liability Protection
Access to Flex Concierge
We're always one text away. Just ask and we'll take care of the rest.
I'm looking for a place that I can unwind for the weekend...
We would love to go out on a boat tomorrow, can you arrange?
Can you help with our flights and door to door travel?



Everything together.
Run your business and personal finances from one account. One login for your business, your personal money, and your credit.


Zero annual fees.
No membership fees or annual card fees.
Exceptional
service
Flex Elite extends our top tier support to your personal credit relationship for you and your family.

The card that takes you higher.
No annual fee. Up to 5% cashback*. No categories.






Frequently asked questions
All Flex Elite cardholders earn at least 3% cashback in Elite points on personal spend, regardless if their business is signed up with Flex or not. With qualifying deposits held at Flex (across business and personal), Elite cardholders earn up to 5% on all spend up to their credit limit each month.
*Cashback is earned as reward points on eligible card purchases. Cash back rates vary by spending category and are subject to program terms. See Rewards Program Terms for full details, including eligible categories, excluded merchants, and redemption conditions.
Elite cardholders who hold at least $250k in deposits earn 4% on all personal spend each month up to their credit limit, and those who hold over $1 million in deposits qualify for 5% up to their credit limit. Any spend exceeding the credit limit in a given billing cycle (such as through paying down balances during a billing cycle) will earn 3% until the beginning of a new billing cycle. Rewards unlock when your statement is paid in full. See full rewards terms here
No. Flex Elite has no annual fee and no membership fees.
You must be U.S. based and over 18 to apply. Checking whether you prequalify won't affect your credit score.
Flex Elite is a personal credit card — a traditional revolving line with monthly statements. The Flex business card is a Net-60 product for company spend.
