What is the average credit score needed to get approved for Chase Freedom Flex℠?

You need to have a good to excellent credit score to get approved.

Does Chase Freedom Flex℠ report to all three credit bureaus?

Yes, the card account reports to all three credit bureaus.

Is the Chase Freedom Flex℠ application process lengthy? Can you prequalify?

The Chase application process is simple and can be completed online in a few minutes.

What information is needed to apply for Chase Freedom Flex℠?

To apply for this card, you need to provide personal information like your name, address, age, Social Security number and relevant financial information.

Does Chase Freedom Flex℠ have good customer service or satisfaction?

Chase ranks high on customer satisfaction and you can access support through the 24/7 helpline, the mobile app or the website.

Does Chase Freedom Flex℠ have a mobile app or the option to pay or manage your account online?

You can pay and manage your account online from the company website and mobile app.

Does Chase Freedom Flex℠ raise credit limits automatically or charge for limit increases?

Your credit limit might increase automatically with responsible card use. You can also write directly to the company to request an increase . Either way, Chase doesn’t charge for limit increases.

Does Chase Freedom Flex℠ offer the options to freeze your credit/account or have other security features?

The card comes with several security features, including freezing your card from the mobile app, zero liability fraud protection and access to your credit score.

Does Chase offer other credit cards besides Chase Freedom Flex℠?

Chase offers several other credit cards, like Ink Business Preferred® Credit Card and Chase Freedom Unlimited.

Chase Freedom Flex℠ Credit Card Review

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

In this review of the Chase Freedom Flex℠ credit card, we take a look at whether or not the benefits of the card and its cash back categories will make sense for your spending habits. Cardholders have a variety of cash back categories to earn on and several new cardholder perks make this a card worth considering.

Card Details to Know Up Front

Bonus, Fee or Feature
Has or Not
Has Annual Fee
Has Balance Transfer Offer
Has APR Offer
Cash Back Rewards
Travel Rewards
Hotel Benefits
Airline Benefits
Has Rewarding Welcome Offer
Has Foreign Transaction Fee
Recommended Credit
Good–Excellent

Click to see this card’s rates, fees and how they compare to other cards in our dataset.

OUR REVIEW AT A GLANCE

Credit Card Details at a Glance
Pros & Cons Explained
Bonuses & Rewards Explained
Our Verdict: Is This Card for You?

Chase Freedom Flex℠ at a Glance

If you are looking for a cash back card, the Chase Freedom Flex℠ offers generous earning on popular categories such as dining, travel, drugstore purchases and other rotating categories. You can earn up to 5% cash back on the quarterly rotating categories and travel purchases you make using Chase Ultimate Rewards. You’ll also earn 3% cash back on dining, takeout, and delivery purchases and 3% cash back on drugstore purchases. You can also take advantage of the generous welcome bonus offers, which include a 0% intro APR for purchases and balance transfers for the first 15 months. In addition, you can get $200 cash back for spending just $500 in the first three months, and 5% cash back on grocery purchases up to $12,000 for the first year the account is open.

>>MORE: BALANCE TRANSFERS WITH CHASE — HERE'S ALL YOU NEED TO KNOW

Chase Freedom Flex℠
An easy-to-use cash back card with quarterly rotating bonus categories
- Good–ExcellentRecommended Credit
- $0Annual Fee
- 1–5% Cash Back*Rewards Rate
- 5xRewards Rate on Air Travel
- 3xRewards Rate on Dining
Pros
Generous welcome offer
Rotating cash back bonus categories
No annual fee
Excellent customer-facing features
Grocery store perks
DoorDash and Lyft benefits

Cons
Modest base cash back rate
Your interests might not align with quarterly rotating bonus categories
Foreign transaction fees
$200 cash back on $500 spent during first three months
5% cash back on quarterly rotating bonus categories
5% cash back on Chase Ultimate Rewards travel purchases
5% cash back at grocery stores for 12 months
3% cash back on dining, takeout, delivery and drug store purchases
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated cards from our partners.

Pros & Cons Explained

While the Chase Freedom Flex℠ card comes with many benefits, you need to study its pros and cons to get a clearer idea of whether it is the right card for you.

Pros

Benefits
Description
Generous welcome offer
You can earn $200 cash back if you spend $500 or more with your card in the first three months. This is a generous introductory offer for a card with no annual fee.
Rotating bonus categories
Apart from the 1% base rate for cash back, you can earn substantially more through quarterly rotating bonus categories. These come with 5% cash back.
High cash back rate
You also get 5% on Chase Ultimate Rewards travel purchases and 3% on eligible delivery, dining and drugstore purchases.
Grocery store perks
You can earn 5% cash back on eligible grocery store purchases during the first year of use, up to $12,000 spent.
Customer-friendly features
The card comes with several other customer-friendly features, including important consumer and travel protections. You can benefit from trip interruption and cancellation insurance and cell phone protection plans.
No annual fee
The card does not charge an annual fee. You also have an introductory 0% APR on purchases and balance transfers during the first 15 months.

Cons

Drawbacks
Description
Modest base cash back rate
The base rate for cash back not covered under the bonus categories is only 1%. Some competing cards with similar fee structures offer better baseline cash back returns.
Foreign transaction fees
For those looking to use this card for foreign transactions, there is a 3% fee applied to each transaction. Other cards with similar features offer zero foreign transaction fees.
Rotating bonus categories limitation
While the high rate of cash back for the rotating bonus categories is a plus, the options are limited. You have to activate these categories manually and there is a $1,500 purchase limit on the bonus cash back on these categories every quarter, meaning you can only earn up to $75 cash back on the rotating bonus categories each quarter.

LOOKING FOR THE BEST CREDIT CARDS OF 2022?

Through analyzing current data, MoneyGeek regularly updates its recommendations of credit cards across several popular categories. You can check out our top recommendations for cash back credit cards in 2022 to see what fits your needs.

Bonuses & Rewards Explained

The Chase Freedom Flex credit card offers several benefits and rewards. First up, you get a welcome offer of $200 cash back for $500 spent during the first three months. You can also activate quarterly rotating bonus categories that bring you 5% cash back for all purchases up to $1,500 in these categories. You can get 3% cashback on eligible delivery, dining and drugstore purchases, and 5% cash back at grocery stores and on travel purchases made through Chase Ultimate Rewards.

Here are some ways to redeem your rewards:

Travel bookings made through Chase Ultimate Rewards

Direct deposit and statement credits

Gift cards

Pay with points for Amazon purchases.

Other Features Explained

Here are some other important benefits and features that come with the Chase Freedom Flex℠ credit card:

Card Feature
Description
Cell phone protection
The card includes cell phone protection against damage and theft, with a coverage of up to $1,000 per year with a maximum of two claims per year and $800 per claim. To qualify, you need to pay your cell phone bill with your credit card.
Travel perks
With this card, you get trip interruption and cancellation insurance with reimbursements of up to $6,000 per trip and $1,500 per person for prepaid and non-refundable fares. You also get a secondary coverage auto rental collision damage waiver.
Purchase and warranty protections
The card comes with a warranty extension on applicable purchases for a further year for warranties of three years or less. It also includes protection for your new purchases against theft or damage for a period of 120 days with a limit of $5,000 per account and $500 per claim.
Lyft
The card comes with special Lyft perks that can benefit regular commuters. Currently, you can get 5% cash back on all Lyft rides until March 2022.
Doordash
With this card, you receive a complimentary three-month membership to DashPass, the subscription service offered by DoorDash that gives you unlimited free deliveries for all eligible orders above $12. Once the offer period expires, you get automatically enrolled in the service at a 50% discount for the next nine months.

MONEYGEEK EXPERT TIP

"When paired with a Chase travel card that offers Ultimate Rewards, you can transfer the cash back earned from this card to a card that earns Ultimate Rewards and redeem those rewards for travel. Ultimate Rewards tend to be very valuable, so transferring your cash back into Ultimate Rewards makes a lot of sense." - Alene Laney, Credit Card Journalist

Understanding the Fine Print

Card Feature
Amount or Rate
APR
19.49% –28.24% Variable
Annual Fee
$0
Cash Back Rewards
Rewards Rate
1–5% Cash Back*
Airline Benefits
Rewards Rate on Groceries
1x
Rewards Rate on Gas
1x
Rewards Rate on Dining
3x
Rewards Rate on Entertainment
1x
Rewards Rate on Online Shopping
1x
Rewards Rate on TV, Phone, Internet Services
1x
Rewards Rate on Air Travel
5x
Rewards Rate at Hotels
5x
Balance Transfer Fee
$5 or 3% in the first 60 days. After that, either $5 or 5%, whichever is greater.
Balance Transfer APR
19.49% –28.24% Variable
Late Fees
Up to $40
Cash Advance Fee
$10 or 5%, whichever is greater.
Cash Advance APR
29.49%
Foreign Transaction Fee
3%

Regular APR
The Chase Freedom Flex℠ credit card comes with an introductory offer of 0% APR for purchases and balance transfers. This is valid for 15 months. Once the offer period is over, you will be charged a variable APR of 19.49% –28.24%. For cash advances, you will pay a variable APR of 29.49%.
Important Fees
The card comes with no annual fee, but there are other fees to consider. For foreign transactions, the card account charges a fee of 3% for every transaction. For cash advances, you will pay either $10 or 5% of each transaction, whichever is higher. There is also a balance transfer fee of $5 or 3% of each transfer within 60 days of opening the account. After that, it’s the greater of $5 or 5%.

FINDING YOUR CARD'S RATES AND FEES

To know if this card is right for you, you can compare it with other similar card offerings or our list of the top recommended cash back cards. If you want to compare the terms with an existing card you use, just go through your last billing statement or use the website or mobile app of the card provider. You can also find important information through the credit card agreement database maintained by the Consumer Financial Protection Bureau (CFPB).

Who Should & Shouldn’t Consider Chase Freedom Flex℠?

Other Considerations for Chase Freedom Flex℠

Before zeroing in on the Chase Freedom Flex℠ as your credit card of choice, there are several other factors to consider. These might change depending on whether you want this to be your only card or if you’ll add it to an existing collection of cards.

Things to Consider if This Will Be Your First or Only Credit Card

If this is going to be your only card, you need to pay attention to the moderately high APR and the foreign transaction fee. You also need to think about the bonus categories for cash back and consider if your needs and wants are in similar categories. Finally, you need to be aware of the limits and manual bonus activations involved with this card.

Things to Consider if This Will Be an Additional Card in Your Wallet

The Chase Freedom Flex℠ can be a good additional card in your wallet if you are looking for a card that focuses on cash back and has a strong welcome offer with no annual fee. It might be a good idea to couple this with another Chase card as the Ultimate Rewards points can be used in conjunction.

WHY TRUST OUR REVIEWS

Our methodology for reviewing credit cards is well-defined, streamlined and transparent. We use standardized data points for fair comparisons, estimate average spending profiles, determine the long-term value and re-rank cards regularly. We collect information from the Consumer Financial Protection Bureau database.

How Chase Freedom Flex℠ Compares to Other Cards

While the Chase Freedom Flex℠ can be a good cash back card, you can check out competing offerings to understand whether this will truly be the right choice for your needs and expectations.

In-Depth Credit Card Comparisons:

Quick Comparison of Chase Freedom Flex℠

Chase Freedom Flex℠

Annual Fee: $0
APR: 19.49% –28.24% variable
Base Cash Back Rate: 1%
Intro offer: $200 cash back, 0% intro APR
Best For: Targeted cash back categories

Citi® Double Cash Card

Annual Fee: $0
APR: 18.49% – 28.49% variable
Base Cash Back Rate: 2%
Intro offer: None
Best For: Simple cash back structure

Other Helpful Decision-Making Q&As

Here are some frequently asked questions about the Chase Freedom Flex℠ that you might want to look at before you decide on this card.

Still not sure about this card? Consider these options.

If you are still unsure, check out our top recommended cash back cards. If you do not want a cash back card, you can look at travel cards or balance transfer cards.

View All Credit Cards

Learn more about credit cards in general

sources

Chase Credit Cards. "Freedom Flex Card." Accessed September 5, 2021.
Consumer Finance Protection Bureau. "Credit card agreement database." Accessed September 5, 2021.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.

MoneyGeek’s Take