Chase Freedom Flex®
Chase determines account eligibility, approval, and bonus qualification. Terms may change. Verify the latest terms on the official website before applying.
Offer terms at a glance
We separate the headline from the conditions required to earn it.
- Product name
- Chase Freedom Flex®
- Financial institution
- Chase
- Offer type
- Credit card welcome bonus
- Current bonus
- $200 cash back
- Required deposit or spending
- Make $500 in eligible purchases during the first three months from account opening.
- Direct deposit requirement
- Not applicable.
- Minimum balance
- Not applicable.
- Monthly or annual fee
- $0 annual fee
- How to waive the fee
- Not applicable; the public pricing lists no annual fee.
- Eligible states / geographic restrictions
- U.S. consumer credit-card offer. Terms may vary by application channel and approval is determined by Chase.
- Offer deadline
- No calendar deadline is published on the official product page. Chase says offers can change over time.
- Estimated payout timing
- Allow 6–8 weeks after qualifying for the bonus points to post, provided the account is open and not in default.
- Early closure considerations
- The account must remain open and not in default when Chase fulfills the offer. Rewards may be lost in circumstances described by the rewards agreement.
- Credit inquiry information
- Applying authorizes Chase to evaluate creditworthiness. Review the application disclosures before submitting.
- Applicants who can meet the threshold with planned purchases without carrying a balance.
- People willing to activate and track rotating quarterly categories.
- Current cardmembers or prior cardmembers who received this card’s new-cardmember bonus within the last 24 months.
- People who prefer a single elevated base earning rate without quarterly activation.
What the headline leaves out
The published cash-back value is $200 with no annual fee. Meeting the requirement through planned purchases and paying in full preserves the clearest value; interest or unnecessary spending reduces it.
How this offer differs
Freedom Flex and Freedom Unlimited currently share the same welcome bonus and spending threshold. Flex emphasizes activated quarterly categories, while Unlimited emphasizes a higher base rate on general purchases.
- 01Approval and welcome-bonus eligibility are determined by Chase.
- 02The offer is unavailable to current cardmembers and certain prior cardmembers described in the official terms.
- 03Balance transfers, cash advances, cash-like transactions, interest, fees, and specified gambling transactions do not count as purchases.
- 04Quarterly 5% categories require activation and apply only to the first $1,500 in combined category purchases each quarter.
- 05Offers may vary by channel and change without a published end date.
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Frequently asked questions
What is the current Freedom Flex welcome bonus?
The official page offers 20,000 points after $500 in eligible purchases during the first three months. Chase says those points can be redeemed for $200 cash back.
Does Freedom Flex have an annual fee?
No. The current public pricing lists a $0 annual fee.
Do quarterly categories affect the welcome bonus?
No. The welcome bonus uses its own $500 eligible-purchase requirement. The card’s 5% quarterly categories are a separate rewards feature that requires activation.
How soon does the welcome bonus post?
Chase says to allow six to eight weeks after qualifying, provided the account remains open and not in default.