Chase Freedom Flex® Credit Card
Chase Freedom Flex credit card ($0 annual fee, quarterly 5% rotating categories, no foreign transaction fee)Limited-time welcome offer: $250 cash back (25,000 UR points) after meeting the spending requirement
Public offer: earn $250 cash back (25,000 points) after $500 in eligible purchases within the first 3 months of account opening. Current cardholders and former cardholders who received a new-cardmember bonus for this card in the past 24 months are ineligible. Offers vary by application channel. The bonus posts about 6–8 weeks after qualification; the account must be open and not in default at issuance. Balance transfers, cash advances, cash-equivalent transactions, gambling, interest, fees and unauthorized transactions, among other exclusions, are not eligible purchases. This is a limited-time offer; no official end date was published.
WELCOME OFFER RECORDS
Reviewed welcome offer records (incomplete history)
Limited-time enhanced offer ($250 cash back / $500 spending requirement)
Browsing date (your device): . The browsing date is not a new verification date. Entries below retain their original recorded dates.
View recorded offer details5 records
Decision considerations
Source check on 2026/09/22: the official Chase public limited-time welcome offer was $250 (25,000 UR points) after $500 in spending in the first 3 months, up $50 (25%) from the prior $200 record. The chart connects the $200 record on 9/16 to the $250 record on 9/22; the line shows a change between observations, not an unchanged daily offer throughout that interval. Official start and end dates were not published, and the exact change date was not confirmed. Earlier nodes are existing historical records and were not reverified in this check. Offers can differ by application channel; application-time terms control.
| Period | Welcome offer | Spending requirement | Status and notes |
|---|---|---|---|
| 2025/09/16–2026/01 | $200 cash back (20,000 UR points) | $500 in the first 3 months | Standard offer: spend $500 in the first 3 months after account opening to earn $200 cash back (estimated value $200). |
| 2026/01–2026/05 | $200 cash back | $500 in the first 3 months | Standard offer: the source records the welcome reward at a stable $200 level throughout the year. |
| 2026/05–2026/08/31 | $200 cash back | $500 in the first 3 months | Standard offer: spend $500 in the first 3 months after account opening to earn $200. |
| 2026/09/01–2026/09/16 (check date) | $200 cash back (20,000 UR points) | $500 in the first 3 months | Existing historical record: spend $500 in the first 3 months to earn $200; not reverified in this check. |
| Records from 2026/09/16–present (browsing as of )Original record: 2026/09/16 → 2026/09/22 (records connected; checked on 9/22)Current record | $250 cash back (25,000 UR points) | $500 in the first 3 months | Connects the $200 historical record from 9/16 with the $250 limited-time offer checked on 9/22; the exact change date during the interval was not confirmed. Spend $500 in the first 3 months to earn $250. The deadline was not published, and application channels may affect the offer. |
Card features and benefits
- 5% Cash Back on Quarterly CategoriesActivation is required by the specified deadline each quarter. The first $1,500 in combined eligible purchases in that quarter's designated categories/merchants earns a total of 5%, including the base 1%; purchases above the cap earn 1%. Merchants must submit transactions by the last day of that calendar quarter. Categories and activation deadlines are announced separately each quarter; a quarter's categories are not permanent 5% categories. Eligible net purchases exclude refunds/returned amounts. Balance transfers, cash advances and cash equivalents, gambling, account checks, interest, fees, unauthorized or fraudulent transactions do not qualify. Merchant classification applies.
- 5% Cash Back on Travel via ChaseEligible purchases paid with this card through Chase Travel earn a total of 5%, including base rewards. This does not cover all purchases made directly from airlines or hotels. Eligible net purchases exclude refunds/returned amounts. Balance transfers, cash advances and cash equivalents, gambling, account checks, interest, fees, unauthorized or fraudulent transactions do not qualify. Merchant classification applies.
- 3% Cash Back on DiningEligible dining, takeout and delivery earn a total of 3%, including base rewards. General purchases do not all receive the dining rate. Eligible net purchases exclude refunds/returned amounts. Balance transfers, cash advances and cash equivalents, gambling, account checks, interest, fees, unauthorized or fraudulent transactions do not qualify. Merchant classification applies.
- 3% Cash Back at DrugstoresEligible drugstore purchases earn a total of 3%, including base rewards. A pharmacy inside a larger store does not guarantee that the entire purchase qualifies. Eligible net purchases exclude refunds/returned amounts. Balance transfers, cash advances and cash equivalents, gambling, account checks, interest, fees, unauthorized or fraudulent transactions do not qualify. Merchant classification applies.
- 1% Cash Back on All Other PurchasesOther eligible purchases earn unlimited 1%, recorded as points. Redeem 100 points for $1 cash; other redemption options have different values. Points do not expire while the account is open, but account-status changes, abuse, fraud or closure for reasons specified in the terms may cause immediate forfeiture. Cash redemptions have no minimum. Eligible net purchases exclude refunds/returned amounts. Balance transfers, cash advances and cash equivalents, gambling, account checks, interest, fees, unauthorized or fraudulent transactions do not qualify. Merchant classification applies.
- Mastercard World Elite® BenefitsFreedom Flex is a World Elite Mastercard with certain Mastercard partner offers and World Elite benefits, including source-listed partnerships such as Lyft, Instacart and Peacock. Available partnerships and terms can change; the applicable Mastercard and Chase terms control.
Protections and partner benefits
- DashPass Membership & $10 Quarterly PromoFirst activation during 2025/02/01–2027/12/31 provides 6 months of free DashPass, then automatic renewal at the prevailing monthly price unless canceled. Enrollment requires a U.S. address, this card as the default and checkout payment card, and an account in good standing. Third-party wallets are ineligible. Eligible orders must meet minimum subtotals; taxes, tips and other fees are extra. Members may use up to $10 off one eligible non-restaurant DoorDash order each calendar quarter through 2027/12/31. Gift cards are excluded; unused balances are not retained or carried into another quarter, and the discount is not cash.
- Lyft Rides 2% Cash BackThrough 2027/09/30, rides booked in the Lyft App and paid with Freedom Flex earn a total of 2% cash back, consisting of 1% base rewards plus 1% additional rewards.
- Trip Cancellation / Interruption InsuranceTrip cancellation and interruption insurance: eligible prepaid, nonrefundable passenger fares are covered when illness, severe weather or another covered reason cancels or interrupts the trip, up to $1,500 per covered traveler and $6,000 per trip.
- Secondary Auto Rental Collision Damage WaiverSecondary CDW: coverage is generally secondary within the country of residence, requiring a claim with personal auto insurance first. It can be primary where personal auto insurance is excluded or for rentals outside the country of residence. It covers vehicle collision damage and theft; applicable coverage and exclusions follow the latest Chase Guide to Benefits.
- Purchase Protection & Extended WarrantyPurchase protection covers eligible new purchases damaged or stolen within 120 days after purchase, up to $500 per item, subject to the Guide to Benefits and state-specific terms. Extended warranty adds 1 year to eligible U.S. manufacturer warranties of 3 years or less, with a maximum of 4 years from purchase.
- Travel and Emergency Assistance ServicesReferral and assistance services provide legal and medical referrals during travel emergencies. These are referral and assistance services only; the cardholder pays medical, legal and other third-party service costs. Roadside dispatch can be requested after a vehicle breakdown, at the cardholder's expense.
- Cell phone protection (discontinued / historical change)Cell Phone Protection ended on 2026/9/20. Eligible losses occurring on or before 2026/9/19 remain subject to the terms applicable at that time.