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 checklist official webpage, this card disappeared. Nonetheless, referral hyperlinks nonetheless work nice. The appliance hyperlink beneath on our website is the referral hyperlinks which are working nice. Some buyer consultant mentioned that this card is pulled for the month of Jul, and can be obtainable once more in Aug. We don’t know whether or not this card can be refreshed or discontinued within the close to future.
2024.4 Replace: The $200+5% on grocery&fuel supply is expired. The present supply is $200.
2023.7 Replace: There’s a new $200+5% on grocery&fuel supply. Screenshot. [2023.9 Update] Expired. The present supply is $200.
Supply Hyperlink
Advantages
- $200 supply: earn $200 money again after spending $500 within the first 3 months.The current greatest supply is $200+5% on grocery&fuel.
- Earn 5% money again in every quarter’s bonus classes, 1% money again on all different purchases. It’s good to activate beforehand, and the deadline is the 14th of the final month of every quarter, it received’t be activated routinely for a brand new card. For instance, right here is the bonus class calendar for 2020:
- Earn 5% money again on journey bought via 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 truly 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 charge is definitely 5x UR factors incomes charge. We estimate that UR factors are price about 1.6 cents/level, see beneath for a quick introduction. So the 20k sign-up bonus could possibly be price about $320, and the 5x UR factors incomes charge on bonus classes could possibly be price about 8%!
- Mobile phone safety: stand up to $800 per declare and $1,000 per 12 months in cellular phone safety towards coated theft or injury for telephones listed in your month-to-month cellular phone invoice if you pay it together with your eligible bank card. Deductible $50.
- Refer a pal: You’ll be able to earn 10,000 bonus UR factors for each authorised account you refer, as much as a most of 5 authorised referrals (50,000 UR factors) per calendar 12 months.
- No annual payment.
Disadvantages
- You might have a $1,500 cap in 5% bonus classes per quarter, which suggests you’ll be able to earn as much as 7.5k factors per bonus class every quarter. After that, you earn 1 level per greenback spent.
- It has overseas transaction payment, so it is not a sensible choice exterior the US.
Introduction to UR Factors
- You’ll be able to earn UR factors with Chase Freedom Scholar, Chase Freedom, Chase Freedom Limitless (CFU), Chase Sapphire Most popular (CSP), Chase Sapphire Reserve (CSR), Chase Ink Money (Enterprise), Chase Ink Limitless (Enterprise), Chase Ink Most popular (Enterprise), and so on.
- You’ll be able to 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 for those who shut the account, however you’ll be able to stop shedding your UR factors by transferring the factors to a different UR card beforehand.
- If in case you have Chase Sapphire Most popular (CSP), Chase Sapphire Reserve (CSR), or Chase Ink Most popular (Enterprise), UR factors might be transferred to some resort factors. The most effective method to make use of UR factors is to 1:1 switch to Hyatt factors. UR factors can be transferred to some airline miles. Probably the most widespread and greatest method 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. When you use UR factors on this method, the worth is about 1.6 cents/level.
- If in case you have Chase Sapphire Reserve (CSR), you’ll be able to redeem your UR factors for as much as 2.0 cents/level in the direction of air tickets or inns on Chase Journey with the “Factors Enhance” function; in case you have Chase Sapphire Most popular (CSP) or Chase Ink Most popular (Enterprise), the worth is as much as 1.5 cpp (or 1.75 cpp for premium cabin).
- If in case you have any of the UR playing cards, you’ll be able to redeem your UR factors at a set charge 1 cent/level in the 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: Earn and Introduction to UR: Use (very detailed).
Beneficial Software Time
- [5/24 Rule] If in case you have 5 or extra new accounts opened up to now 24 months, Chase is not going to 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 put up for particulars about easy methods to presumably bypass this rule.
- This product is offered to you for those who don’t have this card and haven’t obtained a brand new cardmember bonus for this card up to now 24 months. Observe 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.
If 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’ll be able to go to a department and discover a banker to use for this bank card immediately via Particular Consideration.Particular Consideration is now not obtainable.- We advocate you to use for this card after you’ve a credit score historical past for greater than 8~9 months.
Observe you can not have a couple of Freedom Flex card on the identical time, due to this fact you can’t enhance its 5% bonus classes spending restrict by holding a number of playing cards.[Update] Precise knowledge factors present you can nonetheless get a number of of this card by product change.
Abstract
This Chase Freedom Flex (CFF) card is an improve from the previous Chase Freedom card. Fairly just like the previous Freedom card, you’ll be able to primarily apply it to the 3x (~4.8%) and 5x (~8%) bonus classes. After you accumulate sufficient UR factors, you’ll be able to apply for a CSP/CSR after which switch these UR factors to airline miles/resort factors to get most worth out of your factors. The previous Freedom card is already a unbelievable card, and this upgraded CFF card is even higher! This card makes a variety of different eating bank cards much less enticing. Everybody ought to have one!
You’ll be able to 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 examine Chase software standing. That is an automatic phone line, and the data has the next meanings: Obtain determination in 2 weeks means your software might be authorised; Obtain determination in 7-10 days means your software might be rejected; Obtain determination in 30 days merely means your software requires additional overview and there’s nothing to let you know for now.
- Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. Name it for those who didn’t get approve instantly. Your private data can be acquired and they’re going to then overview it. You seldom reply questions, as a substitute, simply benefit from the music and you then get authorised or rejected, or additional data is required to be hand in to the department or faxed.
Historic Affords Chart
Observe that generally there’s a $200 + 5% on grocery within the first 12 months supply, and the latter half just isn’t proven within the plot.
Supply Hyperlink
Editorial disclosure: Opinions categorical listed below are writer’s alone, not these of any financial institution, bank card issuer, resort, airline, or different entity. This content material has not been reviewed, authorised or in any other case endorsed by any of the entities included inside the put up.
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