Chase Freedom Flex®: Earn More Cash Back

Know the Benefits

Chase Freedom Flex® offers several ways to earn cash back without charging an annual fee. New cardmembers can also access an introductory APR period, subject to the current terms.

• 5% quarterly cash back: Earn 5% on up to $1,500 in combined purchases in activated quarterly bonus categories.
• Additional fixed rewards: Earn 5% through Chase Travel℠ and 3% on dining and drugstores.
• No annual fee: The card has a $0 annual fee and currently charges no foreign transaction fees.
• Introductory APR: Receive 0% intro APR for 15 months from account opening on purchases and balance transfers. Transfer fees apply.

Understand the Drawbacks

The highest cash back rate requires more attention than a flat-rate rewards card. Quarterly categories must be activated, and the bonus rate has a spending limit.

• Activation is required: Quarterly categories must be activated by the applicable deadline to receive the 5% cash back rate.
• The quarterly bonus is capped: The 5% rate applies to the first $1,500 in combined purchases in activated categories each quarter.
• The introductory APR ends: After 15 months, the current variable APR is 18.24%–27.74%. Balance transfer fees also apply.

How to Apply for Chase Freedom Flex®

Applications can be submitted through Chase. Before applying, review the current bonus, rewards, APR and applicable fees. Approval and credit limit are determined by Chase.

1. Visit the Chase Freedom Flex® page to review the current card offer.
2. Check the rewards structure, including quarterly categories and fixed cash back rates.
3. Review rates and fees, including the introductory and variable APR terms.
4. Select the application option and provide the information requested by Chase.
5. Review your information and terms before submitting the credit application.
6. Wait for Chase's decision or follow any additional instructions provided after submission.

Is Chase Freedom Flex® a Good Fit?

Chase Freedom Flex® combines 5% rotating quarterly categories with fixed rewards on Chase Travel℠, dining and drugstores. The $0 annual fee can also reduce the ongoing cost of keeping the account.

The tradeoff is that maximizing rewards requires activating categories and monitoring the $1,500 quarterly spending limit. Applicants should also consider the variable APR that applies after the introductory 15-month period ends.