GET UP TO

5% cashback on everything

To make rewards exceptional,
you have to make the expected obsolete.

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.

Reward rate
xx
Monthly spend
xx
Annual cashback
xx
Deposits held at Flex
xx
$0
$250K
$1M+
Monthly personal spend
xx
$15K
$1M

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.

Eden Rock - St Barths
Dorchester
The Beverly Hills Hotel
Aman Tokyo
Hotel Bel-Air
Aman Venice
Bvlgari Hotel Roma
Capella Bangkok
Chable Yucatan
Chateau De La Messardiere
Ett Hem Stockholm
Nihi Sumba
One And Only Mandarina
Rosewood SaoPaulo
Royal Mansour
Splendido
Travel
Rewards
Concierge

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.

5%

Get up to 5% cashback* on everything, no exclusions and points that never expire.

$0

No annual fee and no hidden charges

3%

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. 

Personal
Business
Flex Elite
No membership
fee
Top tier
support
No hidden
charges

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.

Frequently asked questions

How much cash back does the Flex Elite card earn?
How do I reach 5%?
Is there an annual fee?
What do I need to qualify, and will applying hurt my credit?
How is this different from the Flex business card?