0
Benefits0
Reward Categories—
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: Ultimate Rewards Points
Base Rate: 1x
Bonus Rate: 5x
Categories: Fixed: 5x on travel purchased through Chase Ultimate Rewards, 3x on dining, 3x on drugstores. Rotating: 5x on up to $1,500 spent in combined purchases in bonus categories each quarter. Specific 2026 quarterly categories are not yet announced and cannot be predicted.
Quarterly Rotating: Yes
Cap Amount: $1,500.00
Expiration Policy: Points do not expire as long as account is active and in good standing.
Point Value: 0.02¢
Travel Portal Multiplier: 1x
Transfer Partners: United Airlines, Southwest Airlines, British Airways Executive Club, Virgin Atlantic Flying Club, Air France-KLM Flying Blue, Singapore Airlines KrisFlyer, Iberia Plus, Aer Lingus AerClub, JetBlue TrueBlue, Marriott Bonvoy, World of Hyatt, IHG One Rewards
Redemption Penalties: None for standard redemptions; value varies significantly when transferring to partners based on redemption strategy.
Benefits & Protections (Detailed)
No Card Benefits Available
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Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Global Entry Credit: $0
TSA PreCheck Credit: $0
Sign-Up Bonus
PENDING20,000
Points/MilesRequirement: Spend $500 in 90 days
Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $1.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 29.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 15 months
Intro BT APR: 0% for 15 months
Promo Duration: 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Application for Chase Freedom Flex in 2026 will be subject to several key Chase issuer rules. The primary eligibility requirement is the '5/24 Rule,' meaning applicants cannot have opened 5 or more new credit card accounts (from any issuer) in the past 24 months. Additionally, applicants are generally not eligible for the sign-up bonus if they currently hold the Chase Freedom Flex card or have received a new cardmember bonus for the Chase Freedom Flex in the past 24 months. Approval requires excellent credit history (typically FICO score 700+), sufficient income, and a low debt-to-income ratio. Chase also considers application velocity; while not a hard rule, applying for too many cards in a short period (e.g., 2 cards within 30 days) may lead to denials. The standard sign-up bonus typically requires meeting a specified spending threshold (e.g., $500) within the first 3 months of account opening.
Max Cards Per Issuer: 7
Min Spend Interval: 3 months
Cliff Effect Rules: The most significant 'cliff effect' for Chase cards is the '5/24 Rule' which applies to all new applications. For bonus eligibility, applicants are typically restricted from receiving a bonus for the Chase Freedom Flex if they currently hold the card or have received its bonus in the last 24 months. While not directly for Freedom Flex, a major Chase ecosystem rule is the 'Sapphire 48-month rule,' which states you cannot receive a bonus for any Sapphire card (Preferred or Reserve) if you currently have any Sapphire card or have received a bonus for any Sapphire card in the last 48 months. This impacts overall Chase strategy for those looking to maximize Ultimate Rewards.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.2 / 5.0
Top Positive:
Excellent rotating bonus categories, no annual fee, valuable sign-up bonus, and good travel protections.
Top Negative:
Rotating categories require activation and may not always align with spending, foreign transaction fees, and lower base earning rate on non-bonus categories.
Approval Experience: 72.5 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Discover it Cash Back
- Citi Custom Cash
Card Value Score: 85.0 / 100
Est. Annual Rewards: $300.00
Approval Probability: 78.0%
Version Control
PENDINGVersion ID: v2023-10-01