Last Updated: 07/28/2025
SuperMoney User Recommendation Score +63
Strongly recommended30 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
20.49% - 29.24%(Verified 07/25/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
20.49% - 29.24%(Verified 07/25/2024)
Disclaimer popup with additional information
Credit Score Range
640 - 850
Annual Fee
$0
Number of Reviews
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.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 5x.
- 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% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 15 months.
- Signup bonus. Offers a signup bonus of up to $200.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 20.49% up to 29.24%.
- 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.
- A 3% balance transfer fee. Chase Freedom Flex charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 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 up to 3% every time you make a transaction outside the U.S.
- Gas rewards. on eligible fuel purchases.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Chase Freedom
| The Good | The Bad |
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Chase Freedom FAQ
Does Chase Freedom 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.
| Description |
Does Chase Freedom have a signup bonus?
Yes, it offers card users a signup bonus worth up to $200 .
Does Chase Freedom offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Chase Freedom benefits?
Chase Freedom Flex 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
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Chase Freedom?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Chase Freedom Flex has a variable purchase APR that ranges from 20.49% up to 29.24%. The card has a variable balance transfer APR that ranges from 20.49% up to 29.24%. It also has a variable cash advance APR of 29.99% .
Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Chase Freedom have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 15 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 20.49% - 29.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Intro Period | 60 days | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Chase Freedom 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 15 months.
What are the fees for Chase Freedom?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 have a foreign transaction fee?
Chase Freedom charges a foreign transaction fee of up to 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 customer service phone number for Chase Freedom?
The customer service number for Chase Freedom is (877) 242-7372.
What is the support contact email for Chase Freedom?
The support contact email for Chase Freedom is customerdepartament@chase.com.
How do people rate the customer service and user experience of Chase Freedom?
Overall, Chase Freedom 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 to the following credit bureaus:
- 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 build your credit.
Does Chase Bank perform a hard credit pull?
Yes, Chase Freedom performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Chase Freedom
- Visit the website of Chase Freedom.
- 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM
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Other Credit Cards from Chase Bank
Purchase APR
19.99% - 28.24%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Purchase APR
18.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.49%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
740 - 850
300
850
Annual Fee
$0
Purchase APR
20.24% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 28.74%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$795
Disclaimer popup with additional information
Purchase APR
20.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$99
Purchase APR
19.24% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 27.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
20.49% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Purchase APR
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$99
Disclaimer popup with additional information
Purchase APR
20.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +63, or 4.3 on a 5-point rating scale.
+63
-1000+100
No one recommends
Everyone recommends
Chase Freedom Flex Community Reviews
Would you recommend Chase Freedom Flex to your friends?
U
Anonymous
Apr 30, 2023
May or may not recommend
Curious have heard very good things and will check into it.
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
Of all of my credit cards, this is one of my favorite ones. No annual fee, a $200 after spending $500, good cashback rewards? This card is great for pretty much anyone. You do have to have a little bit of credit built up already to get one though
JG
Jennifer G.
Feb 16, 2022
May or may not recommend
Of all of my credit cards, this is one of my favorite ones. No annual fee, a $200 after spending $500, good cashback rewards? This card is great for pretty much anyone. You do have to have a little bit of credit built up already to get one though
JR
Jay R.
Jul 20, 2021
May or may not recommend
Chase customer representatives are super helpful! I feel like I got this card before I started seeing all these commercials about cash back bonuses. This is DEFINITELY one of the hidden gems of this card. I also like how the cash back rotates through different categories of spending (one month it's for fuel purchases, the next month it's for groceries, etc).
Alex B.
Feb 24, 2021
May or may not recommend
I had Wachovia bank account then it became Chase. I loved Wachovia bank, I had it for years, and then it was purchased by Chase, then I did use it for sometime however Chase locked my account for no reason with no any notices. They locked my account, I did call them, did email them and even sent them letter mails, but never got any clear expanation, I never had ...Show More
NC
Nick C.
Jan 21, 2021
May or may not recommend
This is great for people just trying to build their credit for the first time. I've never had a problem with this card, and I recommend it for everyone.
BA
Brian A.
Dec 16, 2020
May or may not recommend
This is a great card to use for beginners or those establishing credit history for the first time. I love that it has no annual fee, offers rewards, and is easy to track and manage through Chase's website! I also love the tap to pay feature for quick, easy, contactless payments!
Sara D.
Dec 8, 2020
May or may not recommend
The Chase Freedom Personal Credit Card is a really great credit card. Because it is Visa it is accepted almost anywhere. Their cash back reward categories are very good for daily use. Their redemption of the cash back is also very easy. The chase app is very user friendly as well - it is easy to redeem rewards and pay you bill on the app.
JA
Jacob A.
Nov 16, 2020
May or may not recommend
I have recommended this credit card to friends before because I have no complaints so far. Chase is a reliable, easy to use, and very accessible company that offers many more services than just credit cards. I also use chase for my checking and savings account because I like their apps, support team, and policies. This card has no annual fee and the rewards/cash back is better than any other ...Show More
Kevin F.
Oct 23, 2020
May or may not recommend
This card is decent. It's not as generous as other cash-back cards you can find, but the bar is a little lower too. Besides spending too much, I never had any problems with this card. Fortunately, Chase offered me a 50% settlement plan, so in the event of financial breakdown, you can at least be confident that they are willing to work with you.
Shane R.
Oct 22, 2020
May or may not recommend
I have been a Chase Freedom Personal Credit Card uses for 5 years. I have loved the fact that major benefits are given to me through this card. I have been able receive gift cards, flight mileage, and much more. I have never felt more free financially then when using this card from Chase.
AG
Alexandra G.
Oct 16, 2020
May or may not recommend
I had a great experience with Chase! I had to raise my credit so I applied for a Chase Capital One Card. I loved that I was able to easily see my spending and balances using their app. I spent less than 40% of the total amount allowed a month and paid them off in time. My credit score went up after a couple months of usage. When I had ...Show More
SA
Samuel A.
Oct 15, 2020
May or may not recommend
For someone using the Chase Freedom card for a long time now, I have to say I am satisfied, and as a longtime customer, I recently received the chase freedom unlimited, which offers more in terms of rewards on purchases. Their customer service is also excellent as I have had misunderstandings with them only a few times. However, it is nothing compared to what I profit from the cards I ...Show More
KH
Katherine H.
Oct 5, 2020
May or may not recommend
I have had a personal credit card with Chase for about 4 years now, Amazon convinced me it would be a beneficial relationship. I have to say, I am pretty pleased with the cash back rewards offered. Overall, I am very happy with the card and appreciate the different features it offers me.
AO
Amanda O.
Oct 1, 2020
May or may not recommend
Chase is a fantastic company to bank with in regards to credit cards.
I had the Chase Freedom Credit Card, with 0% interest rate and never had a single issue with their customer service or accessing my account via the app or website.
Easy to pay off your credit card, and the rewards for spending were actually useful. Would highly recommend them!!
RB
Richard B.
Sep 18, 2020
May or may not recommend
This is a great card to use especially if your planning on a/some large purchases (Christmas?). With the 15 Month / 0 interest, you can hold a balance and pay it down. It's great at earning some pretty serious point bonuses. The only bad thing is that every quarter you need to go to the Chase portal and "Activate" the bonus categories. But, small price ...Show More
EH
Evan H.
Sep 9, 2020
May or may not recommend
The chase freedom card was my second to improve my credit. I was shocked with the $6000 limit. After paying my bill on time for a few months my limit almost doubled. This card allows me to have a bit of a safety net invade of a serious emu. Chase Freedom’s account site was a little confusing at first but became easier to navigate over time. Also, this card has ...Show More
SR
Shane R.
Aug 31, 2020
May or may not recommend
I used the Chase Freedom Personal credit card over the last five years. It has been a great way to receive bonuses to help to get cashback, gift cards, and flight mileage. I have been keeping up with the payments, so you do not have to pay interest. This example would be the only thing that I would steer clear from if you cannot pay your payments on time. There ...Show More
PW
Pamela W.
Aug 29, 2020
May or may not recommend
We use the unlimited for most purchases. It has a higher than normal interest rate for most things and there is no monthly opt-in. I wa speaker as well with their assistance when I had to dispute a charge. It’s not the highes tod all payouts or benefits, but it is great for a main card.
Olivia T.
Jun 5, 2019
May or may not recommend
It's a great card for someone who's beginning to build up credit and good intro APR period. I think that there are better cards out there if you are looking for rewards and such.
Showing 20 of 30 reviews
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