Chase Freedom Flex®
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All information about Chase Freedom Flex® has been collected independently by allCards.com. Chase Freedom Flex® is no longer available through allCards.com.
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The Chase Freedom Flex® is a cash back rewards card designed for people who want to maximize their cash back rewards in quarterly categories and don’t mind having to activate them. In addition, you also earn a bonus and cash back rewards on dining and at drugstores. And if you need to make a large purchase or pay down higher interest credit card debt, the card also offers 0% APR on purchases and balance transfers for the first 15 months months. We dive into the details and your approval odds in this Freedom Flex review.
Our Rating
4.7/5.0
Welcome Offer
$200
Annual Fee
$0
0% Intro on Purchases
15 months
Reward Rate
1% – 5%
0% Intro on Balance Transfers
15 months
Welcome Offer
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
Editorial Review
Features & Benefits
| Security | Credit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Cell Phone Protection, Extended Warranty Coverage, Purchase Protection, Free credit score access, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver, Trip Cancellation Insurance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of the amount of each transaction in U.S. dollars |
| Regular APR | 19.74%–28.49% (V) APR |
| Balance Transfers | 0% Intro APR for 15 months on balance transfers, then 19.74%–28.49%(V) APR after that. |
| Balance Transfer Fee | Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Purchases | 0% Intro APR for 15 months on purchases, then 19.74%–28.49% (V) APR after that. |
What Credit Score Is Required to Get the Chase Freedom Flex®
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 741
Average Approved Credit Score: 788
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 04/02/2023 | TransUnion | ||
| Approved | 04/02/2023 | Experian | ||
| Approved | 08/02/2023 | Not Provided | ||
| Approved | 10/24/2023 | Not Provided | ||
| Approved | 09/03/2023 | Experian | ||
| Approved | 09/03/2023 | TransUnion | ||
| Approved | 07/08/2024 | Not Provided | ||
| Approved | 06/02/2023 | TransUnion | ||
| Approved | 06/02/2023 | Experian | ||
| Approved | 04/12/2024 | Not Provided | ||
| Denied | 07/16/2024 | Experian |
Pros & Cons
- Excellent cash back rewards
- Excellent signup bonus
- No annual fee
- 0% intro APR
- Free credit score access
- Charges foreign transaction fees
- Requires good to excellent credit
What Are the Best Alternatives?
Chase Freedom Unlimited®
Rating
4.9
Rewards Range
1.5% - 5%
Annual Fee
$0
Citi Custom Cash® Card
Rating
4.7
Rewards Range
1% - 5%
Annual Fee
$0
Citi® Double Cash Card
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0