Chase Freedom Flex®
Basic Information
Program ID: chase-freedom-flex
Issuer: Chase
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 12:03
Last Scraped: 01/15/2026 07:05
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $20,000.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: Ultimate Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus 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.
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
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
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: 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.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS) activities, excessive credit cycling, high cumulative credit limits across Chase cards, rapid application for multiple cards, frequent balance transfers without genuine spending, late payments, defaulting on other Chase products, or any activity deemed fraudulent or abusive of the rewards program.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.2 / 5.0
Top Positive Feedback:
Excellent rotating bonus categories, no annual fee, valuable sign-up bonus, and good travel protections.
Top Negative Feedback:
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 Score: 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
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 78.0%
Terms Version Control
Version ID: v2023-10-01