Chase Freedom Flex℠

Welcome Bonus


Earn $200 cash back after you spend $500 on purchases in the first 3 months from account opening

Annual Fee


Annual Rewards

Up to 5% cash back


Rewards on Approval


Interest rates

Purchase Rates


Cash Advance Rates


Balance Transfer Rates


Table of Contents

Chase Freedom Flex℠

The Chase Freedom Flex℠ is a versatile credit card that offers a rotating quarterly cashback program, along with bonus rewards on dining, travel, and other everyday spending categories.


  1. Generous rewards program: Earn cash back on everyday purchases, including 5% cash back in rotating quarterly categories, and 1% cash back on all other purchases.
  2. No annual fee: You won't have to pay an annual fee to use this card.
  3. Sign-up bonus: Chase often offers sign-up bonuses for new cardholders, such as a cash bonus for spending a certain amount within the first few months.
  4. Introductory APR: Enjoy a 0% introductory APR on purchases for the first 15 months.
  5. Wide acceptance: Chase is a well-known bank, and the Freedom Flex is a Visa card, which means it's widely accepted.


  1. Rotating categories: The 5% cash back categories rotate every quarter, which means you'll need to remember to activate them each time to take advantage of the rewards.
  2. Limited redemption options: While you can earn rewards easily, there are limited options for redemption, primarily cash back, statement credits, or gift cards.
  3. Foreign transaction fees: If you use this card outside of the United States, you'll be charged a foreign transaction fee, which can add up quickly.
  4. High APR: The standard APR is relatively high, so it's important to pay off your balance in full each month to avoid interest charges.
  5. Penalty fees: Late payments or returned payments can result in high penalty fees, so it's important to stay on top of your account to avoid these charges.

Details & Eligibility

  • 680 - 800
  • N/A
  • N/A
  • $0
  • N/A
  • Mastercard
  • No
  • 19.74%
  • 29.74%
  • 19.74%
  • N/A
  • N/A
  • N/A

About Chase Freedom Flex

Chase Freedom Flex is a credit card offered by Chase Bank, one of the largest banks in the United States. It is a cash back credit card that offers a range of benefits and features to help cardholders maximize their rewards and savings. One of the main features of the Chase Freedom Flex is its cash back rewards program. Cardholders can earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter. The bonus categories change every quarter and can include things like gas stations, grocery stores, and restaurants. Cardholders can also earn 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on dining at restaurants (including takeout and delivery) and drugstore purchases, and 1% cash back on all other purchases. The Chase Freedom Flex also offers a range of other benefits and features, including:
  • No annual fee: Cardholders can enjoy the benefits of the card without having to pay an annual fee.
  • Introductory offer: New cardholders can earn a $200 cash back bonus after spending $500 on purchases in the first 3 months from account opening.
  • 0% intro APR: Cardholders can enjoy a 0% introductory APR for 15 months on purchases, and then a variable APR of 14.99% – 23.74% applies.
  • Travel benefits: Cardholders can enjoy benefits like trip cancellation/interruption insurance, auto rental collision damage waiver, and travel and emergency assistance services.
  • Purchase protection: Cardholders can receive protection on their purchases against damage or theft for up to 120 days.
  • Contactless payment: The card has contactless payment technology, which allows cardholders to simply tap their card to pay at checkout.
The Chase Freedom Flex is a versatile cash back credit card that offers a range of benefits and features to help cardholders earn rewards and save money. It is a good option for those who want a no annual fee card with a generous rewards program and other valuable benefits.

Why choose Chase Freedom Flex

Looking for a credit card that offers you unparalleled flexibility, excellent rewards, and zero annual fee? Look no further than the Chase Freedom Flex card! With the Freedom Flex card, you’ll earn cashback rewards on every purchase, from groceries and gas to dining and entertainment. Plus, with no annual fee, you can enjoy these rewards without worrying about spending more than you can afford. But the Freedom Flex card is about more than just cashback rewards. You’ll also enjoy perks like cell phone protection, purchase protection, and extended warranty protection – all included at no additional cost. Plus, the Freedom Flex card offers an impressive sign-up bonus for new cardholders – just spend a certain amount in the first few months after opening your account, and you’ll earn a generous cashback reward. Overall, the Chase Freedom Flex card is the perfect choice for anyone looking for a credit card that offers great rewards, zero annual fee, and valuable protections and perks.

How to apply for Chase Freedom Flex

You can apply for the Chase Freedom Flex online by visiting the Chase website or by going to a Chase branch. Here are the steps to apply online:
  1. Go to the Chase Freedom Flex page on the Chase website.
  2. Click on the “Apply Now” button.
  3. Fill out the application form with your personal and financial information, including your name, address, employment information, income, and Social Security number.
  4. Review the terms and conditions, and click “Submit” to complete your application.
After you submit your application, Chase will review your credit history and other financial factors to determine whether you qualify for the card. If you are approved, you should receive your card in the mail within 7-10 business days.

What are my approval odds for Chase Freedom Flex

Approval odds for Chase Freedom Flex depend on various factors such as your credit score, credit history, income, and debt-to-income ratio. Without knowing your specific financial situation, it is difficult to determine your approval odds. However, Chase typically looks for applicants with good to excellent credit scores (generally considered to be a score of 670 or higher), a stable income, and a low debt-to-income ratio. If you meet these criteria and have a good credit history with a track record of paying your bills on time, you may have a higher chance of being approved for the Chase Freedom Flex. It’s important to note that every application is evaluated on a case-by-case basis, and there is no guarantee of approval. Chase will also consider other factors, such as your employment status, the number of credit inquiries on your report, and any negative marks on your credit history.

FAQs about Chase Freedom Flex

Here are some frequently asked questions about Chase Freedom Flex:
  1. What is the Chase Freedom Flex?
Chase Freedom Flex is a cashback credit card offered by Chase Bank that allows cardholders to earn cashback rewards on their purchases.
  1. What rewards can I earn with Chase Freedom Flex?
Chase Freedom Flex offers cashback rewards on purchases in different categories that change every quarter, such as grocery stores, gas stations, restaurants, and more. Cardholders can also earn 1% cashback on all other purchases.
  1. Is there an annual fee for Chase Freedom Flex?
No, Chase Freedom Flex does not have an annual fee.
  1. Does Chase Freedom Flex offer any sign-up bonus?
Yes, Chase Freedom Flex offers a sign-up bonus of $200 cashback after spending $500 on purchases in the first 3 months of account opening.
  1. Is there an intro APR offer for Chase Freedom Flex?
Yes, Chase Freedom Flex offers a 0% intro APR on purchases for the first 15 months of account opening. After that, the variable APR will be applied based on the creditworthiness of the cardholder.
  1. Can I use Chase Freedom Flex for international purchases?
Yes, Chase Freedom Flex can be used for international purchases, but there may be a foreign transaction fee of 3% for each transaction made in a foreign currency.
  1. What benefits does Chase Freedom Flex offer?
Chase Freedom Flex offers benefits such as purchase protection, extended warranty protection, trip cancellation/interruption insurance, rental car collision damage waiver, and more.
  1. What credit score do I need to be approved for Chase Freedom Flex?
To be approved for Chase Freedom Flex, you generally need a good to excellent credit score, which is typically 670 or above.
  1. Can I transfer balances to Chase Freedom Flex?
Yes, Chase Freedom Flex allows balance transfers, and there is a fee of either $5 or 5% of the amount of each transfer, whichever is greater. However, balance transfers do not earn cashback rewards.
  1. What is the customer service phone number for Chase Freedom Flex?
The customer service phone number for Chase Freedom Flex is 1-800-432-3117.
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