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Community Rating | Strongly recommended |
Purchase APR (Variable APR) | 14.99% - 23.74% |
Balance Transfer APR (Variable APR) | 14.99% - 23.74% |
Credit Score Range | 640 - 850 |
Annual Fee | $0 |
Number of Reviews | 29 |
Chase Freedom Flex Review
This is a cashback credit card issued by Chase Bank. If you're wondering whether Chase Freedom Flex is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- Generous reward rate. You will get a maximum cashback rewards rate of up to 5%.
- Revolving rewards categories: You'll earn 5% cash back each quarter on up to $1,500 in combined purchases in that quarter's bonus categories. These categories include grocery stores, gas stations, and department stores.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
- Signup bonus. Offers a signup bonus of $200 if you spend $500 within 3 months.
- Competitive APRs. Chase Freedom Flex has a variable purchase APR that ranges from 14.99% up to 23.74%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- 5% Balance transfer fee. Chase Freedom Flex charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Gas rewards. Up to 5% cashback on eligible gas purchases.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, trip cancellation insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 640.
The Good | The Bad |
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Does Chase Freedom Flex have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.
Minimum rewards rate | 1x |
Max rewards rate | 5x |
Annual rewards limit | N/A |
Signup Bonus ($) | $200 |
Signup Bonus Spend Requirement | $500 |
Signup Bonus Spend Period (months) | 3 months |
Does Chase Freedom Flex have a signup bonus?
Yes, it offers card users a signup bonus worth up to $200 after spending $500.
Does Chase Freedom Flex offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Chase Freedom Flex benefits?
It provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Chase Freedom Flex?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.Chase Freedom Flex has a variable purchase APR that ranges from 14.99% up to 23.74%. The card has a variable balance transfer APR that ranges from 14.99% up to 23.74%. It also has a variable cash advance APR of 24.99% .
Does Chase Freedom Flex have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Chase Freedom Flex have an intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 15 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 15 months.
What are the fees for Chase Freedom Flex?
The following fees apply:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 3% |
Returned Payment Fee | up to $39 |
Late Payment Fee | up to $39 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Chase Freedom Flex have a foreign transaction fee?
Chase Freedom Flex charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the support contact email for Chase Freedom Flex?
The support contact email for Chase Freedom Flex is customerdepartament@chase.com.
How do people rate the customer service and user experience of Chase Freedom Flex?
Overall, Chase Freedom Flex is strongly recommended based on community reviews that rate customer service and user experience.
Does Chase Freedom Flex report your account activity to credit bureaus?
Yes, Chase Freedom Flex reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Chase Freedom Flex
- Visit the Chase Freedom Flex website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
270 Park Avenue
New York, NY 10017 - Visit Site
- Email Support
Other Services by Chase Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 15 months |
Chase Freedom Flex Community Reviews
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