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.

2023.7 Replace: There’s a new $200+5% on grocery&gasoline provide.

2023.4 Replace: The $200+5% on grocery provide is expired. The present provide is $200.

2022.10 Replace: The $200+5% on grocery provide is again. Grocery is a greater class for most individuals.

Provide Hyperlink

• Chase Freedom Flex (CFF) $200+5% on Grocery&Gasoline Provide (It is a public provide by way of Chase direct web site solely) Word that you could be see presents like 5% on solely grocery or solely on gasoline or on neither, so concentrate earlier than you apply. Chances are you’ll want to make use of incognito mode to see the higher provide.

Advantages

1. $200 provide: earn $200 money again after spending $500 within the first 3 months.
2. Earn 5% money again in every quarter’s bonus classes, 1% money again on all different purchases. It is advisable to activate beforehand, and the deadline is the 14th of the final month of every quarter, it gained’t be activated routinely for a brand new card. For instance, right here is the bonus class calendar for 2020:
3. Earn 5% money again on journey bought by way of Chase Final Rewards, earn 3% money again on eating (eating places & supply) and drugstore, and earn 1% money again on all different purchases.
4. 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 charge is definitely 5x UR factors incomes charge. We estimate that UR factors are value about 1.6 cents/level, see beneath for a quick introduction. So the 20k sign-up bonus may very well be value about $320, and the 5x UR factors incomes charge on bonus classes may very well be value about 8%!
5. [Limited Time] Earn 5% money again on Lyft, till 2025.03. Right here is the official hyperlink for this promotion.
6. [Limited Time] Free DashPass (Doordash membership) for 3 months, and 50% low cost on Dashpass for 9 months. Activation required earlier than 2024.12.31. Right here is the official hyperlink for this promotion.
7. Cellphone safety: rise up to $800 per declare and $1,000 per yr in cellphone safety towards lined theft or harm for telephones listed in your month-to-month cellphone invoice while you pay it together with your eligible bank card. Deductible $50.
8. Refer a pal: You’ll be able to 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.
9. No annual payment.

Disadvantages

1. You’ve got a $1,500 cap in 5% bonus classes per quarter, which implies you possibly can earn as much as 7.5k factors per bonus class every quarter. After that, you earn 1 level per greenback spent.
2. It has international transaction payment, so it isn’t a good selection 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 should you shut the account, however you possibly can stop dropping your UR factors by transferring the factors to a different UR card beforehand.
• 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. Probably the greatest approach to make use of UR factors is to 1:1 switch to Hyatt factors. UR factors may also be transferred to some airline miles. One of the vital frequent 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. Should you use UR factors on this approach, the worth is about 1.6 cents/level.
• In case you have Chase Sapphire Reserve (CSR), you possibly can redeem your UR factors at a set charge 1.5 cents/level in the direction of air tickets or lodges on UR journey portal; you probably have Chase Sapphire Most popular (CSP) or Chase Ink Most popular (Enterprise), you possibly can redeem your UR at a set charge 1.25 cents/level in the direction of air tickets or lodges on UR journey portal.
• In case you have any of the UR playing cards, you possibly can redeem your UR factors at a set charge 1 cent/level in the direction of money.
• In abstract, we estimate that UR factors are value 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).

Really useful Utility Time

1. [5/24 Rule] 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, irrespective 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 how one can presumably bypass this rule.
2. This product is obtainable to you should you don’t have this card and haven’t acquired a brand new cardmember bonus for this card up 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.
3. Don’t apply for greater than 2 Chase bank cards inside 30 days, or it’s extremely possible that you’re going to get rejected.
4. 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 straight by way of Particular Consideration. Particular Consideration is not accessible.
5. We advocate you to use for this card after you may have a credit score historical past for greater than 8~9 months.
6. Word which you can not have multiple Freedom Flex card on the similar time, due to this fact you can’t improve its 5% bonus classes spending restrict by holding a number of playing cards. [Update] Precise information factors present which 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 outdated Chase Freedom card. Fairly just like the outdated Freedom card, you possibly can primarily apply it to the 3x (~4.8%) and 5x (~8%) bonus classes. After you accumulate sufficient UR factors, you possibly can 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 outdated Freedom card is already a incredible card, and this upgraded CFF card is even higher! This card makes plenty of different eating bank cards much less engaging. Everybody ought to have one!

You’ll be able to apply straight for this card if underneath 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 knowledge 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 overview and there’s nothing to let you know for now.
• Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. Name it should you didn’t get approve instantly. Your private info shall be acquired and they’re going to then overview it. You seldom reply questions, as an alternative, simply benefit from the music and then you definitely get accredited or rejected, or additional info is required to be hand in to the department or faxed.

Historic Provides Chart

Word that generally there’s a $200 + 5% on grocery within the first yr provide, and the latter half will not be proven within the plot.

Provide Hyperlink

• Chase Freedom Flex (CFF) $200+5% on Grocery&Gasoline Provide (It is a public provide by way of Chase direct web site solely) Word that you could be see presents like 5% on solely grocery or solely on gasoline or on neither, so concentrate earlier than you apply. Chances are you’ll want to make use of incognito mode to see the higher provide.

Editorial disclosure: Opinions specific listed below are creator’s alone, not these of any financial institution, bank card issuer, resort, airline, or different entity. This content material has not been reviewed, accredited or in any other case endorsed by any of the entities included throughout the put up.

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