The Chase Freedom Flex Credit Card brings together powerful cash back rewards, low-cost introductory financing, and an impressive array of benefits—all with no annual fee. It’s designed for U.S. consumers who want to earn generous rewards on their everyday purchases and enjoy protection, convenience, and flexibility.
Whether you’re dining out, traveling, or shopping online, this card offers rotating quarterly categories that boost your earning potential. Plus, it includes valuable perks like a lengthy intro APR, built-in security features, and access to the highly-rated Chase mobile app.
Earn More with Flexible and Powerful Rewards
The Chase Freedom Flex is centered around a rotating rewards structure that keeps your cash back exciting and seasonally relevant.
- 5% Cash Back on up to $1,500 in combined purchases each quarter in rotating bonus categories after activation.
- 5% Cash Back on travel purchased through Chase Ultimate Rewards®.
- 3% Cash Back on dining at restaurants (including takeout and delivery services).
- 3% Cash Back on drugstore purchases.
- 1% Cash Back on all other purchases with no limit.
Each quarter brings new bonus categories, such as grocery stores, gas stations, Amazon, streaming services, or home improvement stores—so you can align your spending to maximize rewards. Cash back is earned as Ultimate Rewards points, which can be redeemed for cash, gift cards, travel, or purchases via Amazon.com or PayPal.
Save with a Competitive Introductory APR Offer
The Chase Freedom Flex also delivers strong value through its 0% introductory APR on purchases and balance transfers for the first 15 months from account opening. After the introductory period, a variable APR of 20.49%–29.24% applies based on your creditworthiness.
Balance transfers made within 60 days of account opening qualify for the intro APR, although a balance transfer fee of either $5 or 3% of the amount transferred (whichever is greater) applies.
This APR window can be helpful if you need to finance a larger purchase or consolidate existing high-interest debt without accumulating immediate interest charges.
Financial Tools and Perks to Stay in Control
The Chase Freedom Flex goes beyond rewards with digital features and tools that help you stay in charge of your finances:
- Free credit score tracking with Chase Credit Journey.
- Account alerts for payment reminders and unusual activity.
- Chase Mobile® app access to view transactions, pay bills, and track rewards.
- Flexible payment options, including autopay and due-date selection.
- Contactless payments for fast and secure checkout.
These tools make budgeting and managing your card simple and efficient—whether you’re at home or on the go.
Smart Technology and Everyday Convenience
Chase’s robust mobile platform and technology integrations make the Freedom Flex a breeze to use:
- Lock and unlock your card instantly through the mobile app.
- Digital wallet compatibility with Apple Pay®, Google Pay™, and Samsung Pay™.
- Track rewards and spending trends through Chase Ultimate Rewards®.
- Use Chase Offers to earn extra cash back with select merchants.
These features ensure your card fits seamlessly into your daily life, offering maximum convenience without compromising control.
Security Features that Work Behind the Scenes
Cardmembers can feel confident with built-in protection features:
- Zero Liability Protection for unauthorized purchases.
- Chip-enabled technology for secure transactions.
- Fraud monitoring and alerts to detect suspicious activity.
- Emergency card replacement and travel/emergency assistance services.
These layers of security help protect your account, whether you’re shopping online or traveling internationally.
Key Terms & Conditions
- Annual Fee: $0
- Intro APR: 0% on purchases and balance transfers for 15 months.
- Regular APR: 20.49%–29.24% variable.
- Balance Transfer Fee: Either $5 or 3% of the amount transferred (whichever is greater).
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars.
Tip: To take full advantage of the intro APR, aim to pay off transferred balances within the 15-month window to avoid interest.
Who Can Apply for the Chase Freedom Flex?
To apply for the Chase Freedom Flex, applicants must:
- Be at least 18 years old.
- Have a valid Social Security number or Individual Taxpayer Identification Number (ITIN).
- Reside in the U.S.
- Have a good to excellent credit score (typically 670+).
- Meet Chase’s underwriting criteria and not currently hold the maximum allowed Chase cards.
How to Apply
Applying is quick and secure. Here’s how:
- Visit the official Chase website or your local Chase branch.
- Click “Apply Now” on the Freedom Flex card page.
- Fill out the application with your personal details, including income and housing information.
- Submit your application for a decision, often delivered within minutes.
