CH
Chase · Visa

Chase Freedom Flex℠ credit card

0% Intro APR · 15 mo
$0 Annual Fee
20.49%–29.24% Variable Purchase APR
670+ Recommended FICO
Cash Back Reward Type
Browse Cards Chase Chase Freedom Flex℠ credit card

Rewards

Reward TypeCash Back
Base Rate1x / 1%
Bonus RateUp to 5x
Point Value~0.01¢ each
Travel Portal1x
Annual Cap$1,500
Rotating CategoriesYes — changes quarterly
ExpirationPoints do not expire as long as your account is open.
CategoryRateTypeCap
Rotating Quarterly Categories
On rotating quarterly categories you activate (up to $1,500 spent in combined purchases each quarter)
Rotating
5x Cash Back No cap
Travel (Chase Ultimate Rewards)
On travel purchased through Chase Ultimate Rewards®
5x Cash Back No cap
Dining
Including takeout and eligible delivery services
3x Cash Back No cap
Drugstores
On drugstore purchases
3x Cash Back No cap
All Other Purchases
On all other purchases
1x Cash Back No cap

Benefits & Protections

Travel Insurance
Cell Phone Protection
Purchase Protection
Extended Warranty
Trip Delay Coverage
Lost Luggage Coverage
Concierge Service
BenefitCategoryValue / Coverage
No Annual Fee
There is no annual fee to carry the Chase Freedom Flex credit card.
Financial No annual fee
Up to $0
Cell Phone Protection
Get up to $800 per claim and $1,000 per year in cell phone protection against covered theft or damage for phones listed on your monthly cell phone bill when you pay it with your Chase Freedom Flex card. A $50 deductible applies per claim. Maximum of 2 claims in a 12-month period.
Lifestyle Up to $800 per claim, $1,000 per year (2 claims max, $50 deductible)
Up to $800
Complimentary DashPass Subscription
Receive a complimentary 3-month DashPass subscription from DoorDash, providing unlimited deliveries with $0 delivery fees on eligible orders over $12. After the complimentary period, you are automatically enrolled in DashPass at 50% off for the next 9 months. Activate by December 31, 2024.
Lifestyle 3 months complimentary, then 9 months at 50% off
Complimentary Lyft Pink All Access
Receive complimentary Lyft Pink All Access for 2 years when you activate by December 31, 2024. This includes benefits like 15% off car rides, priority airport pickups, and more.
Lifestyle 2 years complimentary
Extended Warranty Protection
Extends the time period of the U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less.
Purchase Protection Additional year on eligible warranties
Purchase Protection
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Purchase Protection Up to $500 per claim, $50,000 per account
Up to $500
1% Cash Back on All Other Purchases
Earn 1% cash back on all other purchases not falling into bonus categories.
Rewards 1% cash back
3% Cash Back on Dining
Earn 3% cash back on dining, including takeout and eligible delivery services.
Rewards 3% cash back
3% Cash Back on Drugstore Purchases
Earn 3% cash back on purchases at drugstores.
Rewards 3% cash back
5% Cash Back on Rotating Categories
Earn 5% cash back on up to $1,500 spent in combined purchases in bonus categories that rotate each quarter. Activation is required each quarter.
Rewards 5% cash back on up to $1,500 spent quarterly
Up to $1,500
5% Cash Back on Travel Purchased Through Chase Ultimate Rewards
Earn 5% cash back on travel purchased through Chase Ultimate Rewards.
Rewards 5% cash back
Fraud Monitoring
Chase actively monitors for fraudulent activity and will alert you to potential fraud.
Security Active fraud monitoring
Zero Liability Protection
You won't be held responsible for unauthorized charges made with your card or account information.
Security No liability for unauthorized charges
Auto Rental Collision Damage Waiver
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is secondary and provides reimbursement for damage due to collision or theft for most rental cars in the U.S. and abroad.
Travel Insurance Secondary coverage for collision or theft
Trip Cancellation/Interruption Insurance
If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
Travel Insurance Up to $1,500 per person, $6,000 per trip
Up to $6,000

Interest Rates

0%
Intro Purchase APR for 15 months
0%
Intro BT APR for 15 months
Purchase APR20.49%–29.24% Variable
Balance Transfer APR20.49%
Cash Advance APR29.99%

Fees

Annual Fee $0 — No Annual Fee
Foreign Transaction FeeNone
Balance Transfer FeeEither $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
Late Payment FeeUp to $40
Returned Payment FeeUp to $40

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyModerate
Credit ProfileGood
Approval OddsGood
Decision TimeInstant
Pre-QualificationAvailable (no hard pull)
Co-ApplicantNot allowed
Business EligibleNo
Credit Limit Range $5,000 – No limit listed

Issuer Rules & Restrictions

Maximum Cards per Issuer
You can hold up to 7 cards from this issuer simultaneously.
Shutdown Risk Triggers
Manufactured spending (MS) activities, high cumulative credit limit across all Chase cards relative to income, frequent late or bounced payments, rapid application velocity (even if under 5/24), abuse of return policies or credit card benefits, providing inconsistent information on applications, or suspicious spending patterns that indicate fraud or account misuse.
Cliff Effect Rules
The most significant 'cliff effect' for the Chase Freedom Flex is the Chase 5/24 Rule, which acts as a hard barrier to approval if violated. While there isn't a specific 48-month bonus rule for the Freedom family like there is for Sapphire cards, Chase's internal algorithms may limit approvals if an individual already holds a very high number of Chase cards or has an excessive cumulative credit limit, even if 5/24 is met. This can create an unofficial 'cliff' where further applications are denied due to perceived overextension.
International Friendly
May have limitations for international use.
Additional Issuer Rules
To be eligible for the Chase Freedom Flex, applicants must generally have excellent credit (FICO score 700+), be 18 years or older (19+ in AL/NE), and be a U.S. resident with a Social Security Number or ITIN. The primary application rule is the Chase 5/24 Rule, which states that applicants will likely be denied if they have opened 5 or more personal credit cards from any issuer (including Chase) in the past 24 months. Additionally, Chase has unofficial rules such as not approving more than 2 cards within a 30-day period. The typical welcome offer requires meeting a minimum spend (e.g., $500) within the first 3 months of account opening to earn a specified bonus (e.g., $200 cash back or 20,000 Ultimate Rewards points).
Chase
$0
Annual Fee
Apply Now
You will be redirected to the issuer's secure website.
APR 20.49%–29.24% Variable
Quick Summary
Annual Fee Free
RewardsCash Back
Intro APR0% · 15 mo
Min. FICO670+
NetworkVisa
Online
Ask any doubts about cards.
Gemini 2.2 Ver