The Chase Freedom Flex Credit Card - How to Apply Online

The Chase Freedom Flex Credit Card offers a potent mix of cashback rewards with no annual fee. 

It’s a solid choice if you want rotating bonus categories and everyday perks like 3% on dining and drugstores. 

In this guide, you’ll learn how to apply online and what to expect.

What Is the Chase Freedom Flex Card?

The Chase Freedom Flex Credit Card offers a potent mix of cashback rewards with no annual fee. 

It’s a solid choice if you want rotating bonus categories and everyday perks like 3% on dining and drugstores. 

In this guide, you’ll learn how to apply online and what to expect.

Why Choose the Chase Freedom Flex

Here’s why the Chase Freedom Flex stands out from other cashback cards. 

It’s designed to give you valuable rewards on everyday spending without charging an annual fee. Below are the main reasons to consider this card:

• No Annual Fee – You can earn rewards without paying a yearly cost.
• 5% Cashback on Rotating Categories – Earn 5% on up to $1,500 in combined purchases each quarter after activation.
• 3% on Dining and Drugstores – Get consistent rewards where people spend most often.
• 1% on All Other Purchases – Earn cashback on everything else without limits.
• Intro APR Offer – 0% intro APR for 15 months on purchases and balance transfers.
• World Elite Mastercard Perks – Includes cell phone protection, travel insurance, and purchase protection.

Benefits Beyond Cashback

Here’s a shorter version of the benefits beyond cash back offered by the Chase Freedom Flex. 

These perks add protection, convenience, and extra value to your everyday spending:

• Cell Phone Protection – Get up to $800 per claim if your phone is stolen or damaged when you pay your bill with the card.
• Zero Liability – You’re not responsible for unauthorized charges.
• Extended Warranty – Adds 1 extra year to eligible 3 years or less warranties.
• Purchase Protection – Covers damage or theft for 120 days, up to $500 per claim.
• Trip Cancellation Insurance – Reimburses up to $1,500 per person if a trip is canceled for covered reasons.
• Auto Rental Coverage – Secondary coverage in the U.S., primary outside the U.S. when you use the card for the full rental.
• DoorDash DashPass – Get 3 months free, then 50% off for 9 more months.
• Instacart+ Membership – Free for 3 months with reduced fees and free delivery.
• Lyft Cashback – Earn 5% on Lyft rides through the promotional period.

Who This Card Is For

The Chase Freedom Flex is built for users who want real cashback value without paying extra. 

This card might be a good fit if you spend regularly in everyday categories and prefer flexibility. Here’s who should consider applying:

• Cashback Seekers – Ideal if you want to earn rewards on groceries, gas, dining, and more.
• Budget-Conscious Users – A smart choice for those who want a $0 annual fee.
• People with Good to Excellent Credit – Typically requires a credit score of 670 or higher.
• Online Shoppers – Works well with digital wallets and online platforms offering extra cashback deals.
• New Cardholders – Great intro offer for those looking to earn a quick bonus with moderate spending.

What You Need Before You Apply

Before applying for the Chase Freedom Flex online, ensure you have all the required information ready. 

These details will help you complete the application quickly and avoid delays. Here’s what you’ll need:

• Full Legal Name – As shown on your government-issued ID.
• Residential Address – A U.S. street address (no P.O. boxes).
• Social Security Number (SSN) or ITIN – Used to check your credit profile.
• Date of Birth – Must be 18 years or older.
• Employment Information – Job title, employer name, and employment status.
• Total Annual Income – Used to determine your credit limit.
• Monthly Housing Payment – Rent or mortgage amount to assess affordability.
• Email Address and Phone Number – For communication and verification.

How to Apply Online – Step-by-Step

Applying for the Chase Freedom Flex online is quick and straightforward. 

You can complete the entire process from your computer or phone in just a few minutes. Follow these steps:

1. Visit the Chase Website – Go to the official Chase homepage.
2. Search for “Freedom Flex” – Use the search bar or navigate to the credit cards section.
3. Click “Apply Now” – This will take you to the online application form.
4. Enter Your Details – Include your name, address, SSN or ITIN, date of birth, and contact info.
5. Provide Financial Information – Add your income, employment status, and monthly housing costs.
6. Review the Terms – Read through the rates and disclosures before submitting.
7. Submit the Application – Hit the submit button and wait for a decision, which may be instant or take a few days.

What to Expect After You Apply

Once you submit your application for the Chase Freedom Flex, the following steps are simple. 

Depending on your credit profile, you may receive an immediate response or need to wait a few days. Here’s what typically happens after you apply:

• Instant Decision Possible – Many applicants receive a decision right away.
• Additional Review – Chase may contact you or mail a follow-up letter if more info is needed.
• Approval Notification – If approved, you’ll get an email confirmation and starting credit limit.
• Card Delivery – The physical card usually arrives within 7 to 14 business days.
• Set Up Online Access – You can create a Chase account and activate your card for online use.
• Start Earning Rewards – Use your card to earn cash back immediately after activation.

Fees and Interest Rates

Here’s a clear list of the fees and interest rates for the Chase Freedom Flex® Credit Card. 

Knowing these details helps you manage your card responsibly and avoid unexpected charges.

• Annual Fee: $0
• Intro APR on Purchases: 0% for the first 15 months
• Intro APR on Balance Transfers: 0% for the first 15 months
• Regular APR: 18.99% to 28.49% variable (after the intro period)
• Balance Transfer Fee (First 60 Days): Either $5 or 3% of the amount transferred, whichever is greater
• Balance Transfer Fee (After 60 Days): Either $5 or 5% of the amount transferred, whichever is greater
• Cash Advance Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
• Cash Advance APR: 29.24% variable
• Penalty APR: Up to 29.99% variable, applied for late or returned payments
• Foreign Transaction Fee: 3% of each transaction in U.S. dollars
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Contact Information for Questions

If you have questions or need assistance regarding your Chase Freedom Flex® Credit Card, here are the key contact options:

• Credit Card Customer Service: Call 1-800-432-3117 for questions about your Chase Freedom Flex credit card. ​
• General Customer Service: For other personal banking questions, call 1-800-935-9935.
• Online Support: Visit chase.com/customerservice for FAQs, account management, and live chat options.​
• Social Media: Reach out to @ChaseSupport on Twitter or message Chase on Facebook and Instagram.​
• Mailing Address: Cardmember Services, P.O. Box 15298, Wilmington, DE 19850

The Bottomline

The Chase Freedom Flex® Credit Card offers substantial cashback rewards with no annual fee. 

Its online application process is quick and easy, making it accessible to most users with good credit. 

If you’re ready to start earning rewards, apply today through the official Chase website.

Disclaimer

Card offers, rates, and terms are subject to change and may vary based on your credit profile. 

Always check the official Chase website for the most up-to-date information before applying.