The Chase Freedom Flex® Card is one of the most popular no-annual-fee credit cards in the U.S.
Offers high rewards on rotating categories, bonus cashback on dining and travel, and exclusive features through Mastercard.
This guide will walk you through the full application process, interest rates, card benefits, and contact details.
Why Choose the Chase Freedom Flex® Card?
The Freedom Flex® stands out for its flexible rewards program and premium Mastercard benefits, all with no annual fee.
New users also receive a $200 bonus after spending $500 in the first three months.
Here are the major cash-back categories:
- 5% cash back on up to $1,500 in combined purchases in quarterly rotating categories (once activated).
- 5% on travel purchases through Chase Travel℠.
- 3% on dining, including takeout and delivery services.
- 3% on drugstore purchases.
- 1% back on all other purchases.
Additional benefits include Mastercard World Elite perks, such as cell phone protection, Lyft credits, and discounts at select merchants.
Eligibility Requirements
Before you apply, make sure you have a good to excellent credit score (700+), U.S. residency, and a Social Security Number (SSN)
Prepare a proof of income and check that no more than 5 credit cards have been opened in the past 24 months (Chase’s 5/24 rule)
Step-by-Step: How to Apply for the Chase Freedom Flex® Card
You can apply online or at a local Chase branch.
Online applications allow you to proceed either as an existing client (by signing into your Chase account) or as a guest (filling out a full form).
Here’s what both processes look like:
1. Online as an Existing Client
If you have a Chase checking, savings, or card account, visit the Chase Freedom Flex® Card page and sign in using your username and password.
Most of your personal data will be automatically filled in from your Chase profile. Review terms and conditions, accept disclosures.
Submit your application and wait for instant or email notification.
2. Online as a Guest (Non-Chase Clients)
You can apply even if you don’t have an existing Chase account. The form is more detailed and includes:
- Personal Information: Full legal name, date of birth, SSN, citizenship status.
- Identification Details: Driver’s license/state ID number and issuing state.
- Home Address: Street address, city, state, ZIP code (no P.O. boxes).
- Contact Info: Email address and mobile phone number.
- Financial Information: Total gross annual income, source of income, and monthly housing cost.
- Authorized User (optional): You can add someone else to the account at this stage.
- Certifications: Agree to the terms and certify the truthfulness of the provided information.
- Pricing & Terms Disclosure: You’ll need to read and accept the interest rate, fees, and terms.
Once completed, you’ll either get an instant decision or be notified within 7–14 days. Most applicants get a decision within minutes.
If your application is pending, visit Application Status or call 1-800-432-3117 and say “application status” to be directed accordingly.
3. Apply In-Person
Prefer face-to-face interaction? Head to your nearest Chase branch and speak to a banker.
You’ll still need a valid form of ID, proof of income (pay stub or direct deposit), Social Security Number, and a completed paper or digital application.
Interest Rates and Fees
Understanding the card’s cost structure is crucial. Here’s a breakdown:
- Intro APR: 0% for 15 months on purchases and balance transfers.
- Standard APR: 18.99% – 28.49% variable based on creditworthiness.
- Balance Transfer Fee: 3% ($5 min) for transfers within 60 days of account opening. 5% ($5 min) thereafter.
- Cash Advance APR: 29.24% variable.
- Penalty APR: Up to 29.99% if you miss payments.
- Foreign Transaction Fee: 3% of the U.S. dollar amount.
- Annual Fee: $0
Contact Information for Support
Need help or have questions?
General Card Inquiries: 1-800-432-3117
Mailing Address: Card Services P.O. Box 15298 Wilmington, DE 19850-5298
You can also find live chat options or schedule appointments via the Chase mobile app or official website.
Pros and Cons of the Chase Freedom Flex® Card
Pros:
- High cash back in common categories
- No annual fee
- Travel benefits via Chase Travel℠
- Cell phone protection and Mastercard perks
- Easy online application with guest or client option
Cons:
- Rotating categories require activation
- 3% foreign transaction fee is not ideal for travelers
- Subject to Chase’s 5/24 policy
Chase Freedom Flex® Card vs. Other Chase Cards
If you are considering this card, you must also see the others present in the bank’s catalog.
This way, you will have a clearer image of your options and make a better choice at the right moment.
| Feature / Card | Chase Freedom Flex® | Chase Freedom Unlimited® | Chase Sapphire Preferred® | Chase Sapphire Reserve® |
| Annual Fee | $0 | $0 | $95 | $550 |
| Sign-Up Bonus | $200 after $500 spend | $200 after $500 spend | 60,000 points after $4,000 spend | 60,000 points after $4,000 spend |
| Base Rewards | 1% | 1.5% | 2x points on travel/dining | 3x points on travel/dining |
| Bonus Categories | 5% rotating (up to $1,500/qtr), 5% travel, 3% dining/drugstores | 5% travel, 3% dining/drugstores | N/A (fixed categories) | 10x on Chase Dining, Lyft; 5x on flights |
| Travel Benefits | Basic via Mastercard World Elite | Basic via Visa Signature | Trip insurance, no foreign fees | Lounge access, travel credits |
| Foreign Transaction Fee | 3% | 3% | None | None |
| Intro APR | 0% for 15 months | 0% for 15 months | None | None |
| APR Range (Variable) | 18.99%–28.49% | 18.99%–28.49% | 21.49%–28.49% | 22.49%–29.49% |
| Best For | Max cashback w/ rotating categories | Simple flat cashback | Frequent travelers with moderate budget | Luxury travelers & high spenders |
Conclusion
The Chase Freedom Flex® Card is a powerful tool for earning cash back and accessing travel and dining perks—without paying an annual fee.
Whether you’re a Chase customer or new to the bank, the streamlined application process makes it easy to apply.
If you meet the requirements and spend strategically, this card can deliver serious long-term value.
Disclaimer: This article is for informational purposes only and should not be taken as financial advice. Terms, rates, and fees are subject to change by the issuer. Always review the latest card agreements on Chase’s official site or consult a financial advisor before applying.
