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Chase Freedom Flex℠ review: is it worth it?
A good credit card is not just for spending money but to get valuable benefits. Chase Freedom Flex℠ is an excellent credit card. We'll tell you more about it in this review.
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Chase Freedom Flex℠: get plenty of cash back and pay no annual fee
Whoever is looking for a new credit card should take a look at this Chase Freedom Flex℠ review before applying for any card. Make sure you are really picking the best one to avoid regrets.
The Chase Freedom Flex℠ is a great option for those looking to earn rewards on their spending. But is it worth it? In this article, we’ll take a look at the pros and cons of this credit card and help you decide if it’s the right choice for you.
| Credit Score | Good/Excellent |
| Annual Fee | $0 |
| Regular APR | 0% Intro APR for 15 months from account opening on purchases and balance transfers. Then, 20.49% – 29.24% variable APR; 29.99% variable APR for cash advances |
| Welcome bonus | $200 bonus after spending $500 in the first 3 months from opening the account |
| Rewards* | 5% cash back on bonus categories up to $1,500 in combined purchases you activate quarterly 5% cash back on travel through Chase Ultimate Rewards® 3% on restaurants, including eligible delivery, takeout, and drugstores 1% on every other purchase *Terms apply |
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Chase Freedom Flex℠ credit card
Chase has some of the best credit cards out there. The Chase Ultimate Rewards® program is very flexible, and most Chase cards have amazing bonus categories to earn a lot of points.
The Chase Freedom Flex℠ will give you from 1% up to 5% cash back in various important categories for everyday life. The welcome bonus is also generous and easy to get.
One of the most significant selling points is that it doesn’t charge an annual fee. The other key feature is its 0% introductory APR offer on purchases and balance transfers for 15 months after you open your account. After that period, you’ll have a 20.49% – 29.24% variable APR.
So if you’re looking to finance a large purchase or pay down some debt, this could be a great way to do it without incurring any extra fees.
Chase Freedom Flex℠ credit card: should you get one?
If you have a good credit score, you can apply for this card. To not make any rash decision, always read the pros and cons of every card carefully:
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Pros
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex(SM) card.
- Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC.
Cons
- You have to be good at tracking bonus categories to optimize your earnings with this card.
- If you have already received a welcome bonus for this or any other Chase card in the past 24 months, you can’t get the welcome bonus again.
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Credit scores required
This card is full of valuable rewards and has no annual fee. To handle these benefits, the cardholder needs to prove its creditworthiness with a good or excellent credit score.
Chase Freedom Flex℠ credit card application: how to do it?
There are many cards out there for you to choose from, but the Chase Freedom Flex℠ is one of the best you can have. Have you considered applying to get one? If you did, we can help you!
Apply online
You can apply for this card in minutes, and you don’t need to go anywhere – it is online. Open the Chase website and look for your card option.
It is always positive to read all about the card’s benefits and perks. Once you understand everything about the card offers, hit the apply button.
You’ll be redirected to the application form. If you’re already a Chase user, just sign up to make the process faster. Fill up the form carefully to not mistake any information.
Chase wants to know your full name, address, social security number, annual income, etc. After submitting the form, you’ll get an offer for the Chase Freedom Flex℠ or another card they think is better for you.
Apply using the app
Once you get your Chase Freedom Flex℠ card, you can download the app to manage your account. But first, go to their website to apply for your credit card.
Chase Freedom Flex℠ vs. Chase Freedom Unlimited®
If you’re demanding with your credit cards, Chase has another option for you with no annual fee. They have different cash back rates, but they’re both excellent when it comes to their rewards and benefits.
Take a closer look at their features:
| Chase Freedom Flex℠ | Chase Freedom Unlimited® | |
| Credit Score | Good/Excellent | Good/Excellent |
| Annual Fee | $0 | $0 |
| Regular APR | 0% Intro APR for 15 months from account opening on purchases and balance transfers. Then, 20.49% – 29.24% variable APR; 29.99% variable APR for cash advances | 0% Intro APR for purchases and balance transfers for 15 months (from account opening). Then, 20.49% – 29.24% variable APR 29.99% variable APR for cash advances |
| Welcome bonus | $200 bonus after spending $500 in the first 3 months from opening the account | Earn an additional 1.5% cash back (on up to $20,000) on everything you buy in the first year- worth up to $300 cash back |
| Rewards* | 5% cash back on bonus categories up to $1,500 in combined purchases you activate quarterly 5% cash back on travel through Chase Ultimate Rewards® 3% on restaurants, including eligible delivery, takeout, and drugstores 1% on every other purchase *Terms apply | 6.5% cash back on travel purchased through Chase Ultimate Rewards® 4.5% cash back on drugstore purchases and dining at restaurants (which includes takeout and qualifying delivery service, plus 3% on all other purchases on up to $20,000 spent in your first year) After your first year or $20,000 spent: 5% cash back on travel you purchase through Chase Ultimate Rewards® 3% cash back on dining and takeout 3% back on drugstore 1.5% cash back on all other purchases |
As you can see, Chase Freedom Unlimited® has fewer bonus categories. However, the flat-rate cash back for most of your purchases is higher than what the Chase Freedom Flex℠ card offers.
If you prefer to apply for the Unlimited version, we can tell you more about it. Learn how to get yours.
How to get a Chase Freedom Unlimited®?
Looking to get more out of your credit card? Chase Freedom Unlimited® offers cash back, perks, and benefits that can help you make the most of your spending.
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
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