Inside the Chase Freedom Flex® Card Application Process

Earning rewards and enjoying exclusive benefits

With the Chase Freedom Flex® card, upon spending $500 on purchases within the initial 3 months, you earn a substantial $200 bonus. 

Revel in cash back rewards across all purchases, with 5% back on bonus categories and travel booked through Chase Travel^SM, 3% on dining and drugstores, and 1% on other purchases.

Benefit from a 0% intro APR for 15 months on both purchases and balance transfers. Moreover, this card is devoid of any annual fees. 

Seamlessly link your Chase Freedom Flex® card to your Amazon.com account to redeem cash back rewards on eligible purchases.

Rest assured, your cash back rewards never expire as long as your account remains open, and there’s no minimum redemption threshold. 

Enhance your financial journey with Credit Journey, offering personalized insights to bolster, monitor, and safeguard your credit health. 

Enjoy additional perks such as 3 months of DashPass membership with unlimited deliveries at a $0 delivery fee, reduced service fees on DoorDash and Caviar orders, and earn 5% cash back on Lyft rides until March 31, 2025.

Additionally, gain access to 3 months of Instacart+ membership with a $0 delivery fee and reduced service fees. 

Your Chase Freedom Flex® card also comes with protection benefits, including Zero Liability Protection and Purchase Protection covering new purchases for 120 days against damage or theft. 

Lastly, Cell Phone Protection offers coverage up to $800 per claim and $1,000 per year for eligible phones when you pay your monthly cell phone bill with your eligible credit card.

Am I eligible for the Chase Freedom Flex® Card?

To qualify for the Chase Freedom Flex® card, first and foremost, applicants must be at least 18 years old, with exceptions in Alabama and Nebraska where the minimum age requirement is 19, and in Puerto Rico, where it is 21. 

Additionally, if married, an applicant may apply for a separate account.

A good to excellent credit score of at least 670 or higher is typically required to be considered for the Freedom Flex. 

However, it’s essential to note Chase’s “5/24 rule”. If you’ve opened more than five personal cards in the past 24-month window, even if they’re from issuers other than Chase, you may not be approved for a new card.

In addition, individuals must be residents of the United States, possess a valid social security number, and demonstrate sufficient annual income to cover card payments. 

Chase Freedom Flex® application process

To apply online for the Chase Freedom Flex® card, applicants are required to provide:

• personal information such as first name, last name, date of birth, and social security number (SSN). 
• address and contact information such as email address and phone number.
• authorization for the Social Security Administration (SSA) to disclose their SSN verification to JPMorgan Chase Bank, N.A. 
• financial information, including type of residence, employment status, and total gross annual income.

Furthermore, you have the option to add authorized users to your account and request balance transfers from other credit cards. 

After, certify you have read and agree to all pricing, terms, conditions, authorizations, and disclosures provided, submit the application, and wait for the review outcome.

Insights for Chase Freedom Flex® cardholders

If you’re already a Chase Freedom Flex® cardholder, you can earn up to $500 cash back per year through the Refer-A-Friend program. It means that for each successful referral, you’ll earn $50 cash back.

Keep in mind that the Chase Freedom Flex® credit card charges a 3% foreign transaction fee on international purchases. 

Additionally, the Chase Freedom Flex® credit card can reimburse up to $1,500 per person and $6,000 per trip for pre-paid, non-refundable passenger fares if your trip is canceled or cut short due to covered situations like sickness or severe weather.

Exploring alternative card choices? 

Take a look at the Citi® Double Cash Card. This card offers a 2% cash back reward on all purchases: 1% when you make the purchase and an additional 1% when you settle your balance.

Written by

Ellen Queiroz (Redatora)