How to Get the Chase Freedom Flex℠ Credit Card in 2025 – Full Guide & Benefits
The Chase Freedom Flex℠ card is one of the top no-annual-fee cashback credit cards in the USA (2025), offering a mix of rotating 5% categories, fixed bonus categories, and travel rewards via Chase Ultimate Rewards®.
🌟 Chase Freedom Flex℠ 2025 – Key Benefits
| Feature | Description |
|---|---|
| 💵 5% Cashback (Rotating Categories) | On up to $1,500 spent each quarter in activated categories |
| 🧾 3% on Dining & Drugstores | Earn 3% on restaurants, takeout, delivery, and drugstores year-round |
| ✈️ 5% on Travel via Chase Ultimate Rewards® | Use Chase’s travel portal to book and earn more |
| 🛍️ 1% Unlimited Cashback | On all other purchases |
| 🎁 $200 Welcome Bonus | After spending $500 in the first 3 months |
| 💳 No Annual Fee | Keep it free for life |
| 🛡️ Purchase & Travel Protections | Extended warranty, trip cancellation, cell phone protection, etc. |
| 🔄 0% Intro APR | 0% APR on purchases and balance transfers for 15 months |
🔄 2025 Quarterly 5% Cashback Categories (Sample)
| Quarter | Categories |
|---|---|
| Q1 | Grocery Stores, Fitness Clubs |
| Q2 | Gas Stations, EV Charging |
| Q3 | Amazon.com, Streaming Services |
| Q4 | Walmart, PayPal |
🔔 Must activate each quarter to earn 5%.
🧾 Eligibility Criteria – Chase Freedom Flex (2025)
| Requirement | Details |
|---|---|
| 📊 Credit Score | Recommended: 690+ (Good to Excellent) |
| 👤 Age | 18+ years and U.S. resident |
| 🏠 U.S. Address | Required |
| 💼 Income Proof | Annual income may be required |
| 🔢 SSN or ITIN | Mandatory to apply |
📑 Documents Needed
Social Security Number (SSN) or ITIN
Valid U.S. government-issued ID
Proof of income (if requested)
Mailing address in the U.S.
📝 How to Apply – Step-by-Step
Go to the official page:
👉 https://www.chase.com/personal/credit-cards/freedom/flexClick “Apply Now”
Fill in details:
Full name
SSN
Income
Employment & contact details
Submit & Wait
Instant decision for most applicants
Card arrives in 5–10 business days
💡 Tips to Maximize Rewards
✅ Activate 5% cashback each quarter
📲 Use the Chase app to track categories & spending
✈️ Book travel through Chase Ultimate Rewards® for extra cashback
💳 Use alongside Chase Sapphire for travel point transfers
❓ FAQs – Chase Freedom Flex℠ Card (2025)
Q1. Is it really free?
✅ Yes. No annual fee and full cashback benefits.
Q2. Can I carry a balance?
You’ll get 0% APR for 15 months, then standard variable APR (check offer).
Q3. What happens if I miss 5% category activation?
You’ll only earn 1% cashback on those categories – don’t forget to activate.
Q4. Can I convert cashback into points?
✔️ Yes – if you also have a Chase Sapphire or Ink Preferred card, you can convert cashback to Ultimate Rewards® points.