Chase Freedom Flex℠ – Key Benefits (2025)
- 5% Cash Back on up to $1,500 in combined purchases in rotating bonus categories each quarter (activation required). The Points Guy+1Forbes+1
- 5% Cash Back on travel purchased through Chase Travel℠. UpgradedPoints.com+5Forbes+5The Points Guy+5
- 3% Cash Back on dining at restaurants, including takeout and eligible delivery services. UpgradedPoints.com
- 3% Cash Back on drugstore purchases. Condé Nast Traveler+3The US Sun+3creditcards.chase.com+3
- 1% Cash Back on all other purchases. Condé Nast Traveler+2creditcards.chase.com+2Forbes+2
- $200 Bonus after spending $500 on purchases in the first 3 months from account opening. creditcards.chase.com+25Condé Nast Traveler+25The US Sun+25
- 0% Intro APR for 15 months on purchases and balance transfers; after that, a variable APR of 20.24%–28.99% applies.
- No Annual Fee for the card. Frequent Miler+16The US Sun+16Frequent Miler+16
- Additional Benefits:
- Cell Phone Protection: Up to $600 per claim against covered theft or damage when you pay your monthly cell phone bill with the card.
- Purchase Protection: Covers new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account. creditcards.chase.com
- 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.
📋 Eligibility Criteria
- Age: Must be at least 18 years old.
- Credit Score: A good to excellent credit score is recommended, typically 700 or higher. WalletHub
- Income: Sufficient income to manage monthly payments. WalletHub
- Residency: Must have a valid U.S. address and Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
📄 Required Documents
- Identification: Government-issued ID (e.g., driver’s license or passport).
- Social Security Number (SSN) or ITIN: For identity verification.Business Insider+2UpgradedPoints.com+2Masformulas+2
- Proof of Income: Recent pay stubs, W-2 forms, or tax returns.
- Employment Information: Details about your current employment status.
📝 Step-by-Step Application Process
- Visit the Official Website: Go to the Chase Freedom Flex℠ page.creditcards.chase.com
- Click “Apply Now”: Initiate the application process.
- Fill Out Personal Information: Provide your name, address, date of birth, and contact details.
- Enter Financial Details: Include your SSN or ITIN, employment information, and annual income.
- Review Terms and Conditions: Carefully read the card’s terms before proceeding.
- Submit Application: Once all information is entered, submit your application for review.
- Await Decision: You may receive an instant decision or be notified after further review.
❓ Frequently Asked Questions (FAQ)
1. What is the Chase Freedom Flex℠ Card?
Answer: A cash-back credit card offering 5% on rotating categories, 3% on dining and drugstores, and 1% on other purchases, with no annual fee.Expable+1Forbes+1
2. How do the rotating 5% categories work?
Answer: Each quarter, Chase announces new bonus categories. You must activate them to earn 5% cash back on up to $1,500 in combined purchases.Expable+10Forbes+10The Points Guy+10
3. Is there a foreign transaction fee?
Answer: Yes, a 3% fee applies to transactions made outside the U.S.
4. Can I combine points with other Chase cards?
Answer: Yes, if you have a Chase Sapphire or Ink card, you can combine points for greater value.
5. How long does it take to get approved?
Answer: Some applicants receive instant approval; others may take up to 7-10 business days.WalletHub