Chase Freedom Flex – How to apply

By Raquel Oliveira • 03/20/2025

Chase Freedom Flex 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.

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.

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.

Who Should Apply for the Chase Freedom Flex Credit Card?

The Chase Freedom Flex credit card is best suited for individuals who want a flexible cashback system with rotating bonus categories that allow them to earn higher rewards on select purchases.

It is a strong option for users who value a no-annual-fee credit card, ensuring that every cashback dollar earned remains in their pocket rather than being offset by maintenance costs.

Additionally, it benefits frequent travelers who book through Chase Ultimate Rewards, as the five percent cashback on travel purchases increases overall rewards accumulation and savings.

However, individuals who prefer straightforward cashback rewards without category activation may find other credit cards more convenient, as this card requires quarterly enrollment for rotating categories.

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 of the Chase Freedom Flex Credit Card

Understanding the fees and interest rates associated with the Chase Freedom Flex credit card is crucial for making informed financial decisions and maximizing cashback rewards.

• Zero percent introductory APR for fifteen months on purchases and balance transfers, allowing users to finance expenses without interest during the initial period.
• After the promotional period, the APR adjusts to a variable rate between twenty point forty-nine percent and twenty-nine point twenty-four percent, depending on the cardholder’s creditworthiness.
• No annual fee, ensuring that users can enjoy cashback rewards without additional yearly costs or maintenance charges.
• Three percent foreign transaction fee, which can increase costs for users who make frequent international purchases or travel outside the United States.

How to Apply for the Chase Freedom Flex Credit Card

Applying for the Chase Freedom Flex credit card is a quick and simple process that can be completed online through the Chase website or through the bank’s mobile application.

• If approved, the physical credit card will be mailed within seven to ten business days, after which it can be activated and used for purchases immediately.
• Visit the Chase website and go to the credit card section to find the Chase Freedom Flex application page and begin the process.
• Fill out the application form with required details, including name, address, income, and Social Security number, to allow for a creditworthiness evaluation.
• Submit the form and wait for the approval process, which typically provides an instant decision based on credit history and financial standing.

Final Considerations

The Chase Freedom Flex credit card provides a strong cashback structure, no annual fee, and a long zero percent APR period, making it an excellent option for users seeking dynamic and customizable rewards.

While the foreign transaction fees and category activation requirements may limit its flexibility, the five percent cashback on travel, dining, and rotating purchases makes it a valuable choice for everyday spending.

Before applying, consider whether this card’s features align with your financial habits, ensuring that it provides the maximum benefits based on your lifestyle and purchasing preferences.