Chase Freedom Flex – How to apply

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This credit card is perfect for those who want many benefits and enjoy all related advantages.

The Chase Freedom Flex is a credit card that comes with some great perks, like a $200 bonus for new cardholders, 5% cashback in rotating categories, and a 0% APR for the first 15 months. 

Plus, there’s no annual fee, making it a solid choice for those looking to earn rewards and save money. Want to learn more about what the Chase Freedom Flex has to offer? Keep reading!

Credit Card
Chase Freedom Flex 
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Credit card perfect for those who want to enjoy all related advantages.
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How does the Chase Freedom Flex work?

The Chase Freedom Flex is a cashback credit card designed to reward you for everyday spending. 

To make the most of it, you need to activate the rotating bonus categories each quarter. These categories let you earn higher cashback rates on specific spending areas like groceries or gas, up to a set limit.

For other purchases, the card offers standard cashback rates. Your rewards are tracked as points in the Chase Ultimate Rewards program. You can redeem these points for cash back, statement credits, gift cards, or travel through the Chase portal. 

There’s no minimum redemption amount, so you can use your rewards whenever you’re ready. You can also link your card to your Amazon account to use points for purchases. To avoid fees or interest charges, make sure to pay your bill on time and manage your spending wisely.

Main benefits for the Chase Freedom Flex

The Chase Freedom Flex has several features that make it a great choice for earning cashback. One of the highlights is its 5% cashback on rotating bonus categories. These categories change every quarter, so you can earn more on specific types of purchases. 

However, you do need to activate them each quarter to qualify. The card also gives you 5% cashback on travel booked through Chase, 3% on dining and drugstore purchases, and 1% on everything else.

Another big perk is the flexibility of Chase’s Ultimate Rewards program. You can redeem your cashback as a statement credit, direct deposit, or even for travel. The card’s introductory bonus—a $200 cashback offer for new cardholders—is a great way to start. 

Plus, added benefits like a complimentary DashPass membership for reduced food delivery fees make it even more appealing. Whether you’re spending on everyday items or planning a trip, this card has something to offer.

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Cons for the Chase Freedom Flex

While the Chase Freedom Flex has a lot to offer, it’s not perfect. One downside is that you have to remember to activate the 5% cashback categories each quarter. If you forget, you miss out on those extra rewards. 

There’s also a cap on how much you can earn in these categories—5% cashback is limited to $1,500 in combined purchases per quarter.

Another drawback is that big retailers like Walmart and Target often don’t count for bonus cashback in grocery categories. The rotating categories and restrictions can be a bit complicated if you prefer a simpler rewards system. 

Lastly, the card charges a 3% foreign transaction fee, so it’s not the best choice if you travel internationally. If these limitations don’t bother you, though, the card can still be a great option.

APR and Fees

The Chase Freedom Flex has a competitive APR and fee structure. For new cardholders, there’s a 0% introductory APR for the first 15 months on both purchases and balance transfers. After that, the APR switches to a variable rate of 19.74% to 28.49%, depending on your credit score.

The card doesn’t have an annual fee, which is a big plus. However, there are other fees to consider. Balance transfers come with a fee of either $5 or 3% of the amount transferred, whichever is higher. 

If you’re planning to use the card abroad, be aware of the 3% foreign transaction fee. There’s also a cash advance fee, which is either $10 or 5% of the amount, whichever is higher. Being mindful of these details can help you avoid unnecessary costs and get the most value from the card.

How to apply for the Chase Freedom Flex

Applying for the Chase Freedom Flex is simple and can be done online, by phone, or at a Chase branch. 

Before you apply, check that you meet the requirements, like having a good to excellent credit score and not having received a new cardmember bonus for this card in the last 24 months.

To apply online, visit the Chase website and find the Freedom Flex application page. Fill out the form with your personal and financial details, and submit it. Chase may approve your application instantly or take some time to review it. If approved, your card will arrive in 7-10 business days.

If you prefer, you can also apply in person at a Chase branch. A representative can answer any questions you have and guide you through the process. Once you receive your card, activate it and start enjoying the rewards.

Credit Card
Chase Freedom Flex 
Easy cashback Easy application
Credit card perfect for those who want to enjoy all related advantages.
APPLY NOW You will be redirected