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&fuel supply.
2023.4 Replace: The $200+5% on grocery supply is expired. The present supply is $200.
2022.10 Replace: The $200+5% on grocery supply is again. Grocery is a greater class for most individuals.
Supply Hyperlink
Chase Freedom Flex (CFF) $200+5% on Grocery&Gasoline Supply (It is a public supply by way of Chase direct website solely) Notice that you could be see presents like 5% on solely grocery or solely on fuel or on neither, so listen earlier than you apply. You might want to make use of incognito mode to see the higher supply.
Advantages
$200 supply: earn $200 money again after spending $500 within the first 3 months.Earn 5% money again in every quarter’s bonus classes, 1% money again on all different purchases. You could activate beforehand, and the deadline is the 14th of the final month of every quarter, it gained’t be activated mechanically for a brand new card. For instance, right here is the bonus class calendar for 2020:
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.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 fee is definitely 5x UR factors incomes fee. 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 fee on bonus classes could possibly be price about 8%![Limited Time] Earn 5% money again on Lyft, till 2025.03. Right here is the official hyperlink for this promotion.[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.Cellphone safety: rise up to $800 per declare and $1,000 per 12 months in mobile phone safety in opposition to lined theft or harm for telephones listed in your month-to-month mobile phone invoice whenever you pay it along with your eligible bank card. Deductible $50.Refer a pal: You’ll be able to earn 10,000 bonus UR factors for each permitted account you refer, as much as a most of 5 permitted referrals (50,000 UR factors) per calendar 12 months.No annual price.
Disadvantages
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.It has overseas transaction price, so it is not a good selection outdoors 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 if you happen to shut the account, however you possibly can forestall shedding 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 may be transferred to some lodge 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 widespread and greatest 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. In case 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 hard and fast fee 1.5 cents/level in 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 fee 1.25 cents/level in direction of air tickets or motels on UR journey portal.In case you have any of the UR playing cards, you possibly can redeem your UR factors at a hard and fast fee 1 cent/level in 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: How you can Earn and Introduction to UR: How you can Use (very detailed).
Really useful Utility Time
[5/24 Rule] In case you have 5 or extra new accounts opened up to now 24 months, Chase won’t approve your utility on this card, irrespective 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 presumably bypass this rule.This product is accessible to you if you happen to shouldn’t have this card and haven’t acquired a brand new cardmember bonus for this card up to now 24 months. Notice 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 seemingly that you’ll get rejected.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 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.Notice that you could not have a couple of Freedom Flex card on the identical time, subsequently you can’t enhance its 5% bonus classes spending restrict by holding a number of playing cards. [Update] Precise knowledge factors present that 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 lots of different eating bank cards much less enticing. Everybody ought to have one!
You’ll be able to apply straight 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 utility standing. That is an automatic phone line, and the data has the next meanings: Obtain determination in 2 weeks means your utility might be permitted; Obtain determination in 7-10 days means your utility might be rejected; Obtain determination in 30 days merely means your utility requires additional assessment and there’s nothing to let you know for now.Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. Name it if you happen to didn’t get approve instantly. Your private data might be acquired and they’ll then assessment it. You seldom reply questions, as an alternative, simply benefit from the music and then you definately get permitted or rejected, or additional data is required to be hand in to the department or faxed.
Historic Affords Chart
Notice that typically there’s a $200 + 5% on grocery within the first 12 months supply, and the latter half isn’t proven within the plot.
Supply Hyperlink
Chase Freedom Flex (CFF) $200+5% on Grocery&Gasoline Supply (It is a public supply by way of Chase direct website solely) Notice that you could be see presents like 5% on solely grocery or solely on fuel or on neither, so listen earlier than you apply. You might want to make use of incognito mode to see the higher supply. Editorial disclosure: Opinions specific listed below are creator’s alone, not these of any financial institution, bank card issuer, lodge, airline, or different entity. This content material has not been reviewed, permitted or in any other case endorsed by any of the entities included inside the submit.
