Chase Freedom Flex – How to apply

By Marcos • 01/07/2025

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

Chase Freedom Flex is a versatile credit card with a variety of benefits, perfect for consumers looking to maximize the return on their spending. 

Competitive cash back structures, including 5% cash back on categories that change quarterly, 5% on travel purchased through the Chase Ultimate Rewards portal, 3% on restaurant and pharmacy spending, and 1% on all other purchases we offer.

In addition, cardholders can enjoy a $200 welcome bonus after spending $500 in the first three months, as well as a 15-month introductory period of 0% APR on purchases and balance transfers. This card has no annual fee, making it affordable and accessible to a wide range of people.

With an attractive $200 referral bonus after spending $500 in the first 3 months and a 0% referral rate on purchases and balance transfers for 15 months, this card offers immediate savings and long-term savings.

Earn 5% cash back on categories that change quarterly, 5% on travel booked through Chase Ultimate Rewards, 3% at restaurants and pharmacies and 1% on all other purchases.

The Chase Freedom Fle is perfect for strategic consumers who want to maximize their rewards when planning their spending. Travelers also receive purchase protection and additional benefits.

Combining generous benefits, flexibility and additional perks, Chase Freedom Flex is a great way to not only maximize your cash back, but also benefit from exclusive perks such as purchase protection and access to the Chase Ultimate Rewards program.

How does the Chase Freedom Flex  credit card work? 

The Chase Freedom Flex uses a cash back system that rewards cardholders in several categories. This structure includes:

5% Cash back in rotating categories (up to $1,500 in purchases per quarter with activation). The categories vary from quarter to quarter and can include supermarkets, gas stations, online stores and more.

5% on travel booked through the Chase Ultimate Rewards portal. The food sector, including delivery services, and pharmacies, 3%.

1% on all other purchases. The cash back of you earn can be redeemed as statement credits, bank deposits, gift cards or for travel through Chase Ultimate Rewards. This program becomes even more valuable when combined with other Chase cards that allow you to transfer points to hotel and airline rewards programs.

This card has an introductory period of 0% APR on purchases and balance transfers for 15 months, after which a variable interest rate is applied.

Main benefits of Chase Freedom Flex 

• Diversified cash back structure: Rotating 5% categories offer a unique opportunity to maximize rewards on specific purchases, including travel, restaurants and pharmacies.
• Attractive welcome bonus: Earn $200 after spending just $500 in the first 3 months. This is a great return if spent sparingly.
• Additional benefits: Includes purchase protection, extended warranty and access to exclusive offers from the Chase Ultimate Rewards program.

Another benefit is that there is no annual fee, allowing cardholders to maximize benefits at no additional cost.

Cons of Bank of America Customized

• Rotating category limit Cons: 5% cash back is capped at $1,500 on quarterly purchases. Once the limit is reached, you will receive cashback only once for purchases made.
• Force activation of rotating categories: Owners must manually activate rotating categories every quarter, which may be inconvenient for some users.
• Foreign Transaction Fee: This card charges a 3% fee on transactions outside the US, making it less attractive for international travel.

The benefits are great, but the quarterly limits and foreign transaction fees can be a disadvantage for those who spend more or travel frequently.

APR and fees

The Chase Freedom Flex offers a 15-month introductory period with 0% APR on purchases and balance transfers, making it an excellent option for consolidating debt or financing large expenses strategically. During this period, cardholders can benefit from competitive terms without worrying about interest charges.

After the introductory period ends, the annual interest rate will range between 26.99% and 14.99%, depending on the cardholder’s creditworthiness. This variation reflects the individual’s credit profile and can significantly impact long-term costs, so planning card usage responsibly before standard rates take effect is essential.

Additionally, the card has no annual fee but charges a 6.5% or $8 fee (whichever is greater) for balance transfers. International transactions incur a fee of 4.5% of the total transaction value. Despite these fees, the card remains a popular choice for consumers seeking flexibility and exclusive benefits.

How to apply for the Chase Freedom Flex 

Applications for the Chase Freedom Flex can be completed online via the official Chase website. The process is simple and requires information such as name, address, income and financial history.

Approval requires a credit check, and applicants with good or excellent credit are more likely to be approved. Once approved, the card will be sent to the specified address and the cardholder will be able to activate and use it immediately.