How to Apply for your Chase Freedom Flex Credit Card
The Chase Freedom Flex Credit Card is a top choice known for its lack of annual fees, cash-back rewards, and attractive welcome bonuses. It offers numerous redemption options.
Its exceptional benefits set it apart from competitors. Discover:
- Welcome bonus: You can $200 bonus on spending $500 on purchases in the first 3 months of account opening. The bonus amount is high and the spending is minimal compared to other cards in the market.
- Cashback: This card offers you to earn 5% cash back on up to $1,500 on bonus categories you activate each quarter. Each quarter bonus category is updated. Cashback on travel purchased through Chase TravelSM and Lyft rides is 5%. 3% cashback on dining at restaurants and drugstore purchases. Restaurant cashback is available on takeout and eligible delivery services. Other than that, you can earn 1% cashback on all other purchases.
- Low APR on introductory period: The APR for the first 15 months from account opening on purchases and balance transfers is $0. After the introductory period, APR is 20.49% to 29.24%.
- No annual fee: This comes with no annual fee. You do not have to pay any fee for having those benefits.
- Extended cashback: Cash Back rewards for this card do not expire as long as your account is open and this card has no redemption cap for cash back.
- Unauthorized payment protection: If any unauthorized payment is made with your card or account information, you will not be responsible for that. The card provider will monitor your purchases 24/7 by using sophisticated fraud monitoring. You will get notified through call, text, or email on unusual purchases.
- Cell phone protection: This insurance is provided by the New Hampshire Insurance Company. This insurance has limitations on the amount of coverage. You have to pay your monthly bill associated with the phone to get the insurance. You will get up to $800 per claim and $1,000 per year. You can file a maximum of 2 claims in 12 months.
- Purchase and warranty protection: You will be covered up to $500 per claim and $50,000 against damage or theft. This will be applicable on the purchase made within 120 days. You can extend the warranty period for a U.S. manufacturer by an additional year. This will be eligible on the warranties that are three years or less.
- Trip cancellation insurance: If your trip is canceled, weather conditions won’t let you go, have to shorten the trip for sickness, or any other eligible situation, you will be compensated up to $1,500, and per trip, it will be $6,000. This insurance will refund you for your pre-paid and non-refundable fares.
- Complementary membership: The cardholder will get 3 months of Instacart+, DashPass subscription on DoorDash’s membership with unlimited free deliveries and discounted service fees on eligible orders. For the rest of the 9 months, you will get 50% off on DashPass.
- Pay over time: Using my Chase plan can pay for eligible purchases of $100 or more on monthly equal payments without any interest. The payment duration will be 3 to 24 months based on the amount and creditworthiness.
- Referring bonus: You can earn yearly up to $500 cashback by referring your friends to use a Chase Freedom card. You will get $50 cashback for your ach friend’s participation. You can click on the link to start referring.
Prerequisites
You have to be at least 21 years or older with an income and pay your bills. There is no specific credit score requirement from Chase for having a Chase Freedom Flex Credit Card, but having a good or excellent credit score increases the chances of qualifying.
About bank
JPMorgan Chase & Co. boasts assets totaling $2.6 trillion and a presence around the world. With a legacy that spans two centuries, they are pioneers in investment banking, consumer and small business financial services, commercial banking, financial transaction processing and asset management.
Who is the Chase Freedom Flex Credit Card for?
This card’s welcome bonus and cashback can be earned with minimal spending, plus options like travel insurance and a pay-over-time offer. Therefore, this card will be the best choice for those who want to earn cashback with minimal spending and do not want to pay an annual fee for their credit card.
Step by step to apply for the card
You can apply to have this card by visiting the bank website. You can sign in to apply faster or can choose to apply as a guest.
You have to submit the necessary information including name, address, Tax ID, employment status, and annual income. Adding all that information and agreeing to the terms and conditions you can apply for the card.
Their mobile app is available on the Play Store or Apple Store. By installing the app, you can get mobile banking services.
Positives and negatives of the card
Chase Freedom Flex credit card has some positive and negative sides. Those are:
Positive sides
- No annual fee;
- Requirements for the welcome bonus are easily reachable;
- Rotating offer categories;
- Purchase, cell phone, warranty, and travel protection;
- Free credit score access.
Negative sides
- Have to check the rotating category each quarter;
- Has foreign transaction fee;
- Spending cap to earn bonus.
How to unlock the Chase Freedom Flex Credit Card?
To activate the Chase Freedom Flex Credit Card, you will get several options. You have to log in to the Chase verification page, call their customer service at (800) 432-3117, activate with the mobile app, visit a branch or ATM, or you can email them for activation.
Fees and tariffs
It comes with no annual fee. Interest for pay over time is $0 and the annual percentage rate is $0 for the introductory period. After that, you have to pay a monthly fee of up to 1.72% on eligible purchases or amounts you select to pay in installments.
Transaction fees for balance transfers are $5 or 3% of the amount for the intro period. The transfer must be made within 60 days of account opening. After the intro period, the fee will be $5 or 5% of the amount whichever is greater.
Transaction fees for cash advances are $10 or 5% of the amount, which is greater and the foreign transactions fee is 3% of the amount in U.S. dollars.
No APR on purchases and balance transfers for the first 15 months of account opening. After 15 months of account opening, the APR will be 20.49% to 29.24% based on creditworthiness, and the market rate. APR for My Chase Loan is 20.49% to 29.24% and for the cash advance is 29.99%.
We may apply the penalty APR if failing to make a minimum payment by the due date or if the payment you made is returned unpaid. The penalty APR will be up to 29.99% and may vary based on the market rate. Penalty fees for making late payments and return payments will be up to $40. Find out more here.
Customer Service
You will find most of the answers to your queries on their website. Direct support is available at 1-800-432-3117 regarding credit cards.
You can also schedule a meeting with them and can contact them on Twitter (X), Facebook, and Instagram.
Military personnel will get domestic Chase military services at 1-877-469-0110 and 1-318-340-3308 for overseas.
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