Learn How to Apply for the Chase Freedom Flex Credit Card

What do You Need to Know Before Applying for the Chase Freedom Flex Credit Card?

The Freedom Flex card by Chase offers very appealing conditions, such as 5% cash back on categories defined by the bank!

Firstly, regarding costs, the Freedom Flex card doesn’t have an annual maintenance fee and also offers an introductory APR of 0% for 15 months from account opening for purchases and balance transfers.

Subsequently, a variable APR of 20.49% to 29.24% is applied to purchases where necessary.

In terms of rewards, the card offers different percentages of cash back.

• 1% for all eligible purchases
• 3% for dining, including US-based deliveries, and drugstores
• 5% for travel purchases with Chase Travel

The Freedom Flex also provides a 5% cash back on quarterly selected categories by Chase, up to $1,500 in purchases per quarter.

Possible categories include restaurants, streaming services, gyms, gas stations, and various others, according to Chase.

The card also offers a new cardholder bonus of $200 after spending at least $500 in the first 3 months.

Rewards don’t expire, there’s no minimum withdrawal, and you can redeem them in various ways, such as direct deposit (not only with Chase), gift cards, travel, and points on Amazon.com.

If you’re interested in a card like this, keep reading.

Who can Apply?

To start, Chase doesn’t mandate customers to have any existing relationship with the bank.

Moreover, the bank aligns with industry standards, requiring basic criteria like U.S. citizenship or proper registration for foreigners with an active work visa.

Applicants must also meet age requirements, being at least 18 years old or 19 in specific states.

Verifiable steady income is essential for citizens to establish their credit limits.

Ultimately, the credit score plays a pivotal role in the approval process, influencing the final decision positively or negatively.

How do I Apply for the Chase Freedom Flex Credit Card?

To initiate the application process, the prospective applicant must click on the “Apply Now” button to access the application form.

The applicant will be required to input personal details, including their full name, mother’s maiden name (for security purposes), date of birth, type of identification (Social Security Number or Individual Tax ID), and their Social Security Number.

Further personal information, such as a complete address, phone number, and email address, is also necessary.

Financial details, including residence type (own, rent, or other), employment status, and total annual income, are required.

Upon submission of the completed form, Chase will conduct a prompt credit evaluation, ensuring a swift response.

If approved, the applicant may receive a credit card with a starting limit of $500, which is subject to expansion.

Additionally, the applicant can reach out to the brand’s specialists through various customer service channels.

The processing time may vary based on the region of the provided address, but digital cards and wallets are also available options for the customer.

More Details

The Chase card offers a range of benefits and protection services, including:

• Extended warranty for an additional year
• Purchase protection of up to $500 per claim and up to 120 days
• Zero liability protection for unrecognized purchases
• Trip cancellation and interruption insurance up to $1,500 per person
• Cell phone protection against theft or damage, up to $800 per claim
• Fraud monitoring
• Collision damage waiver for car rentals
• Travel and emergency assistance services

The Credit Journey service allows you to track the evolution of your FICO score over time, including tips to improve and present even better credit lines.

The Chase Pay Over Time program allows you to split purchases into affordable monthly payments. To qualify, the purchase must be $100 or more and meet the bank’s criteria.

Moreover, you also benefit from advantages and discounts with companies like Instacart+, Lyft, and Doordash.

Want to learn another option?

Aeroplan is a credit card also managed by Chase that offers special conditions for purchasing tickets with Air Canada.

Thus, the selection of cardholders is quite similar between the two options, and you can find out how to apply.

Written by

Gabriel Gonçalves