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 Chase direct web site solely) Word that you could be see affords like 5% on solely grocery or solely on gasoline or on neither, so listen earlier than you apply. It’s possible 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. You should 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:
3. 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.
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 price is definitely 5x UR factors incomes price. We estimate that UR factors are value about 1.6 cents/level, see beneath for a short introduction. So the 20k sign-up bonus may very well be value about $320, and the 5x UR factors incomes price 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: stand up to $800 per declare and $1,000 per 12 months in cellphone safety towards coated theft or injury for telephones listed in your month-to-month cellphone invoice while you pay it along with your eligible bank card. Deductible $50.
8. Refer a pal: You may 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.
9. No annual charge.

Disadvantages

1. You’ve 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 overseas transaction charge, so it isn’t a sensible choice 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 popular (CSP), Chase Sapphire Reserve (CSR), Chase Ink Money (Enterprise), Chase Ink Limitless (Enterprise), Chase Ink Most popular (Enterprise), and so forth.
• 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 for those who shut the account, however you possibly can forestall dropping your UR factors by transferring the factors to a different UR card beforehand.
• When you’ve got Chase Sapphire Most popular (CSP), Chase Sapphire Reserve (CSR), or Chase Ink Most popular (Enterprise), UR factors might be transferred to some lodge factors. Among the finest manner 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 vital frequent and finest manner 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 forth. In the event you use UR factors on this manner, the worth is about 1.6 cents/level.
• When you’ve got Chase Sapphire Reserve (CSR), you possibly can redeem your UR factors at a hard and fast price 1.5 cents/level in the direction of air tickets or motels on UR journey portal; in case you have Chase Sapphire Most popular (CSP) or Chase Ink Most popular (Enterprise), you possibly can redeem your UR at a hard and fast price 1.25 cents/level in the direction of air tickets or motels on UR journey portal.
• When you’ve got any of the UR playing cards, you possibly can redeem your UR factors at a hard and fast price 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: How one can Earn and Introduction to UR: How one can Use (very detailed).

Advisable Software Time

1. [5/24 Rule] When you’ve got 5 or extra new accounts opened previously 24 months, Chase won’t approve your utility on this card, regardless of how excessive your credit score rating is. The variety of new accounts contains all bank card accounts, not solely Chase accounts. See this submit for particulars about the way to presumably bypass this rule.
2. This product is on the market to you for those who do not need this card and haven’t obtained a brand new cardmember bonus for this card previously 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 probably that you’re going to get rejected.
4. When you’ve got 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 accessible.
5. We suggest you to use for this card after you’ve got a credit score historical past for greater than 8~9 months.
6. Word you could not have multiple Freedom Flex card on the similar time, subsequently you cannot enhance its 5% bonus classes spending restrict by holding a number of playing cards. [Update] Precise knowledge factors present you could 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/lodge factors to get most worth out of your factors. The outdated Freedom card is already a unbelievable card, and this upgraded CFF card is even higher! This card makes a number of different eating bank cards much less enticing. Everybody ought to have one!

You may apply immediately 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 verify Chase utility standing. That is an automatic phone line, and the data has the next meanings: Obtain choice in 2 weeks means your utility might be authorised; Obtain choice in 7-10 days means your utility might be rejected; Obtain choice in 30 days merely means your utility 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 shall be acquired and they’ll then overview it. You seldom reply questions, as a substitute, simply benefit from the music and then you definately get authorised or rejected, or additional data is required to be hand in to the department or faxed.

Historic Gives Chart

Word that generally there’s a $200 + 5% on grocery within the first 12 months provide, and the latter half just isn’t proven within the plot.

Provide Hyperlink

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

Editorial disclosure: Opinions categorical listed below 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, authorised or in any other case endorsed by any of the entities included throughout the submit.

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