Non-affiliate disclosure: all details about the this card have been collected independently by US Credit score Card Information and has not been reviewed by the issuer.
2025.7 Replace: This card is in an odd state now: in this Freedom playing cards official webpage, this card has no software button; in this Chase all bank cards record official webpage, this card disappeared. Nevertheless, referral hyperlinks nonetheless work wonderful. The appliance hyperlink beneath on our web site is the referral hyperlinks which might be working wonderful. Some buyer consultant stated that this card is pulled for the month of Jul, and will likely be obtainable once more in Aug. We don’t know whether or not this card will likely be refreshed or discontinued within the close to future.
2024.4 Replace: The $200+5% on grocery&gasoline provide is expired. The present provide is $200.
2023.7 Replace: There’s a new $200+5% on grocery&gasoline provide. Screenshot. [2023.9 Update] Expired. The present provide is $200.
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Advantages
- $200 provide: earn $200 money again after spending $500 within the first 3 months.The current finest provide is $200+5% on grocery&gasoline.
- Earn 5% money again in every quarter’s bonus classes, 1% money again on all different purchases. It is advisable activate beforehand, and the deadline is the 14th of the final month of every quarter, it received’t be activated mechanically for a brand new card. For instance, right here is the bonus class calendar for 2020:
- Earn 5% money again on journey bought by Chase Final Rewards, earn 3% money again on eating (eating places & supply) and drugstore, and earn 1% money again on all different purchases.
- Though this card is marketed as a money again card, it really earns Final Rewards (UR) factors: i.e. the $200 sign-up bonus is definitely 20k UR factors sign-up bonus, and the 5% money again price is definitely 5x UR factors incomes price. We estimate that UR factors are price about 1.6 cents/level, see beneath for a short introduction. So the 20k sign-up bonus could possibly be price about $320, and the 5x UR factors incomes price on bonus classes could possibly be price about 8%!
- Mobile phone safety: stand up to $800 per declare and $1,000 per yr in cellular phone safety towards lined theft or injury for telephones listed in your month-to-month cellular phone invoice if you pay it along with your eligible bank card. Deductible $50.
- Refer a good friend: You may earn 10,000 bonus UR factors for each accredited account you refer, as much as a most of 5 accredited referrals (50,000 UR factors) per calendar yr.
- No annual payment.
Disadvantages
- You may have a $1,500 cap in 5% bonus classes per quarter, which implies you may earn as much as 7.5k factors per bonus class every quarter. After that, you earn 1 level per greenback spent.
- It has international transaction payment, so it isn’t a good selection outdoors the US.
Introduction to UR Factors
- You may earn UR factors with Chase Freedom Scholar, Chase Freedom, Chase Freedom Limitless (CFU), Chase Sapphire Most well-liked (CSP), Chase Sapphire Reserve (CSR), Chase Ink Money (Enterprise), Chase Ink Limitless (Enterprise), Chase Ink Most well-liked (Enterprise), and so on.
- You may transfer your UR factors from one UR card to a different at any time.
- UR factors by no means expire. You’ll lose the UR factors on one card in case you shut the account, however you may forestall dropping your UR factors by shifting the factors to a different UR card beforehand.
- In case you have Chase Sapphire Most well-liked (CSP), Chase Sapphire Reserve (CSR), or Chase Ink Most well-liked (Enterprise), UR factors may be transferred to some lodge factors. The most effective approach to make use of UR factors is to 1:1 switch to Hyatt factors. UR factors will also be transferred to some airline miles. One of the crucial widespread and finest approach to make use of UR factors is to 1:1 switch them to United Airways (UA) miles (Star Alliance), and mix them with the UA miles earned from the UA card. Different good choices are: Southwest (WN) (Non-alliance), British Airways (BA) (Oneworld), Virgin Atlantic (VS) (Non-alliance), and so on. If you happen to use UR factors on this approach, the worth is about 1.6 cents/level.
- In case you have Chase Sapphire Reserve (CSR), you may redeem your UR factors for as much as 2.0 cents/level in direction of air tickets or motels on Chase Journey with the “Factors Increase” characteristic; in case you have Chase Sapphire Most well-liked (CSP) or Chase Ink Most well-liked (Enterprise), the worth is as much as 1.5 cpp (or 1.75 cpp for premium cabin).
- In case you have any of the UR playing cards, you may redeem your UR factors at a hard and fast price 1 cent/level in direction of money.
- In abstract, we estimate that UR factors are price about 1.6 cents/level.
- For extra details about UR factors, see Maximize the Credit score Card Factors Values (overview), and Introduction to UR: Easy methods to Earn and Introduction to UR: Easy methods to Use (very detailed).
Advisable Software Time
- [5/24 Rule] In case you have 5 or extra new accounts opened prior to now 24 months, Chase won’t approve your software on this card, regardless of how excessive your credit score rating is. The variety of new accounts consists of all bank card accounts, not solely Chase accounts. See this publish for particulars about the way to probably bypass this rule.
- This product is out there to you in case you wouldn’t have this card and haven’t acquired a brand new cardmember bonus for this card prior to now 24 months. Word that what issues right here is the time you bought the sign-up bonus, not the time you open the account or shut the account.
- Don’t apply for greater than 2 Chase bank cards inside 30 days, or it’s extremely doubtless that you’re going to get rejected.
In case you have greater than $10,000 deposits in Chase checking, you will get this card even with no credit score historical past in any respect. You may go to a department and discover a banker to use for this bank card immediately by Particular Consideration.Particular Consideration is not obtainable.- We suggest you to use for this card after you’ve got a credit score historical past for greater than 8~9 months.
Word that you would be able to not have a couple of Freedom Flex card on the identical time, subsequently you cannot enhance its 5% bonus classes spending restrict by holding a number of playing cards.[Update] Precise information factors present that you would be able to nonetheless get a number of of this card by product change.
Abstract
This Chase Freedom Flex (CFF) card is an improve from the outdated Chase Freedom card. Fairly just like the outdated Freedom card, you may primarily apply it to the 3x (~4.8%) and 5x (~8%) bonus classes. After you accumulate sufficient UR factors, you may apply for a CSP/CSR after which switch these UR factors to airline miles/lodge factors to get most worth out of your factors. The outdated Freedom card is already a implausible card, and this upgraded CFF card is even higher! This card makes numerous different eating bank cards much less enticing. Everybody ought to have one!
You may apply immediately for this card if below 5/24, in any other case you are able to do a product change (from different Freedom playing cards or Sapphire playing cards) to acquire it.
Associated Credit score Playing cards
After Making use of
- Name 800-436-7927 to test Chase software standing. That is an automatic phone line, and the data has the next meanings: Obtain choice in 2 weeks means your software might be accredited; Obtain choice in 7-10 days means your software might be rejected; Obtain choice in 30 days merely means your software requires additional evaluation and there’s nothing to let you know for now.
- Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. Name it in case you didn’t get approve instantly. Your private info will likely be acquired and they’ll then evaluation it. You seldom reply questions, as a substitute, simply benefit from the music and then you definately get accredited or rejected, or additional info is required to be hand in to the department or faxed.
Historic Gives Chart
Word that typically there’s a $200 + 5% on grocery within the first yr provide, and the latter half shouldn’t be proven within the plot.
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Editorial disclosure: Opinions categorical listed here are writer’s alone, not these of any financial institution, bank card issuer, lodge, airline, or different entity. This content material has not been reviewed, accredited or in any other case endorsed by any of the entities included inside the publish.
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