Chase Freedom Flex Credit Card: Your Key to Smarter Rewards

Take control of your financial journey and unlock flexible cash back with the Chase Freedom Flex Credit Card.

The Chase Freedom Flex is more than just a credit card — it’s a dynamic tool tailored for those who want to earn while they spend. With rotating 5% cash back categories, no annual fee, and a generous welcome bonus, this card stands out in a crowded field. Whether you’re dining out, shopping online, or fueling up at the gas station, this card ensures that every purchase can earn valuable rewards while providing the security and features you expect from Chase.

Let’s explore everything the Chase Freedom Flex Credit Card has to offer — from its exciting rewards program to its financial tools, security protections, and straightforward application process.

Earn Rewards That Adapt to Your Life

With Chase Freedom Flex, your spending earns cash back in the places you actually spend. Here’s how the rewards structure breaks down:

• 5% Cash Back on Rotating Quarterly Categories (up to $1,500 per quarter in combined purchases, after activation).
• 5% on Travel Purchases made through Chase Ultimate Rewards®.
• 3% on Dining at restaurants and takeout or delivery services.
• 3% on Drugstore Purchases.
• 1% on All Other Purchases.

Rewards are earned as Chase Ultimate Rewards points and can be redeemed for cash back, travel, gift cards, or purchases at popular merchants. There’s no minimum to redeem, and points never expire as long as your account is open.

Save with an Introductory APR

The Chase Freedom Flex Card also includes an introductory 0% APR for 15 months from account opening on purchases and balance transfers. After the intro period ends, a variable APR of 20.49%–29.24% applies based on your creditworthiness.

This introductory APR can be particularly helpful if you’re planning a major purchase or looking to consolidate and pay off higher-interest credit card debt. Compared to many other cash back cards, this feature provides a valuable short-term financial advantage.

Helpful Tools and Account Management Features

Managing your account is easy with tools designed for financial clarity and control. With the Chase mobile app, you can:

• Set up payment alerts and auto-pay.
• Track your spending in real time.
• Access your credit score through Credit Journey®.
• Set budgeting goals and review transactions by category.
• Use contactless tap-to-pay functionality for added convenience.

Whether you’re reviewing your monthly budget or planning for a big expense, Chase gives you the digital tools to stay informed and organized.

Technology That Keeps You Moving

The Chase Freedom Flex Credit Card is packed with convenient tech features that simplify your day:

• Digital Wallet Compatibility: Works with Apple Pay®, Google Pay™, and Samsung Pay™.
• Card Locking: Instantly lock or unlock your card in the Chase app if lost or stolen.
• Real-Time Fraud Alerts: Get notified of suspicious activity immediately.

These features ensure that your card is always secure and accessible, whether you’re at home or on the go.

Security You Can Count On

When it comes to fraud protection and peace of mind, Chase delivers:

• Zero Liability Protection: You won’t be held responsible for unauthorized charges.
• Chip-Enabled Technology: Enhanced protection when used at chip-enabled terminals.
• Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim.
• Extended Warranty: Extends the manufacturer’s warranty by an additional year on eligible warranties.

You can shop and spend with confidence knowing Chase has your back.

Key Terms and Fees

Here’s a summary of important terms and fees to be aware of:

• Intro APR: 0% for 15 months on purchases and balance transfers.
• Regular APR: 20.49%–29.24% variable.
• Balance Transfer Fee: 5% of the amount transferred (minimum $5).
• Annual Fee: $0.
• Foreign Transaction Fee: 3% of each transaction in U.S. dollars.

Tip: If you’re transferring a balance, pay it off during the 15-month intro period to avoid high interest charges afterward.

Who Can Apply?

You may qualify for the Chase Freedom Flex if you:

• Are at least 18 years old.
• Are a U.S. citizen or permanent resident with a valid SSN.
• Have a good to excellent credit score (typically 670+).
• Do not already have five or more Chase credit cards (due to the 5/24 rule).
• Can demonstrate sufficient income or financial ability to repay.

How to Apply for the Chase Freedom Flex Credit Card

1. Visit the official Chase Freedom Flex application page.
2. Click “Apply Now”.
3. Fill out your personal details:
   • Full name, SSN, and birthdate.
   • Address and contact information.
   • Employment status and income.
   • Review the terms and conditions carefully.
4. Submit your application and wait for a decision — many applicants receive an instant response.