Chase Freedom Credit Cards (2024)

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* Offer Details for Chase Freedom Flex

Offers may vary depending on where you apply, for example online or in a branch, and can change over time. To take advantage of this particular offer now, apply through the method provided in this advertisem*nt. Review offer details before you apply.

$200 Cash Back After You Spend $500 On Purchases In The First 3 Months From Account Opening: This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. You will receive 20,000 bonus points with this bonus offer, which can be redeemed for $200 cash back. To qualify and receive your bonus, you must make Purchases totaling $500 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

Cash Back And Points: Rewards Program Agreement: For more information about the Chase Freedom Flex® rewards program, view the latest Rewards Program Agreement (PDF). We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com/ultimaterewards.
Cash Back and Points: “Cash Back rewards” are the rewards you earn under the program. Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points. You may simply see “Cash Back” in marketing materials when referring to the rewards you earn. You may also see, “points” or “Ultimate Rewards points” when referring to the points you can use. How you can earn points: You’ll earn points on purchases of products and services, minus returns or refunds, made with a Chase Freedom Flex credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count and won’t earn points: Balance transfers, cash advances or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, fees of any kind, including an annual fee, if applicable. 1% Cash Back: You’ll earn 1% Cash Back rewards for each $1 spent. 3% Cash Back in the drugstore and dining at restaurants categories: You’ll earn 3% Cash Back rewards total for each $1 spent on purchases in the following rewards categories: drugstores and dining at restaurants including takeout and eligible delivery services (2% additional Cash Back rewards on top of the 1% Cash Back rewards earned on each purchase). 5% Cash Back on Chase Travel bookings: You’ll earn 5% Cash Back rewards total for each $1 spent on purchases made using your card through Chase Travel (4% additional Cash Back rewards on top of the 1% Cash Back rewards earned on each purchase). 5% Cash Back in quarterly bonus categories: You’ll earn 5% Cash Back rewards total for each $1 spent until $1,500 is spent on combined purchases in the quarterly bonus categories each quarter that you activate the bonus (4% additional Cash Back rewards on top of the 1% Cash Back rewards earned on each purchase). You must activate your 5% Bonus Cash Back each quarter by the activation deadline. 5% Cash Back quarterly bonus categories may include individual select merchants in addition to bonus rewards categories. After $1,500 is spent on combined purchases in the quarterly bonus categories each quarter, you go back to earning 1% Cash Back rewards for each $1 spent, with no maximum. For more information on 5% Cash Back quarterly bonus offers, please visit chase.com/freedomflex and select the Chase Freedom Flex FAQs link at the bottom of the page. For a purchase to qualify for the 5% bonus Cash Back, the merchant must submit charges to your credit card by the last day of the relevant calendar quarter. How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and pay with points for products or services made available through the program or directly from third parties. Redemption values for reward options vary. Points expiration/losing points: Your points don’t expire as long as your account is open, however, you’ll immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs.

Zero Liability: Zero Liability Protection does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the Cardmember Services number on your card or billing statement.

Travel And Purchase Protection: These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

Account Alerts: Delivery of alerts may be delayed for various reasons including technology failures and capacity limitations. There is no charge from Chase, but message and data rates may apply.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Mastercard, the silver circles design and World Elite Mastercard are registered trademarks of Mastercard International Incorporated.

Chase Freedom Flex credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

Chase Freedom Credit Cards (2024)

FAQs

How hard is it to get approved for a Chase Freedom credit card? ›

Chase credit card approval odds are best for people with a good or excellent credit score of 700+, an annual income of $50,000+, and relatively little debt. Applicants will also need to be 18+ years old with a U.S. mailing address and an SSN or ITIN to get a Chase credit card.

What is the average credit limit for a Chase Freedom card? ›

The Chase Freedom Unlimited® card gives high credit limits to people with good-to-excellent credit, a lot of income, and relatively little debt. The minimum credit limit is $500, and some cardholders report having limits as high as $14,000.

How much income do I need for Chase Freedom Unlimited? ›

While the terms and conditions of the Chase Freedom Unlimited® card do not disclose a specific minimum income requirement, the higher your income is, the more likely you are to be approved. Your income will also play a big part in determining your credit limit, with higher incomes generally leading to higher limits.

How hard is it to get Chase Freedom Flex? ›

The Chase Freedom Flex® Credit Card card is hard to get because you need good to excellent credit (a credit score of 700 or higher) to have good odds of being approved. You'll also need to have a steady income and meet a few other requirements like being a U.S. citizen or permanent resident and having an SSN or ITIN.

What is the hardest Chase card to get approved for? ›

A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: Chase Sapphire Reserve® is one of the hardest credit cards to get approved for by virtue of the fact that it is one of the best rewards cards on the market. From its initial bonus of 60,000 points to the ...

What is the easiest Chase card to get approved for? ›

The Chase Freedom Rise® card is the easiest Chase credit card to get. But you still need good credit to get approved for the Chase Freedom Rise.

What is the 5 24 rule for Chase? ›

Many card issuers have criteria for who can qualify for new accounts, but Chase is perhaps the most strict. Chase's 5/24 rule means that you can't be approved for most Chase cards if you've opened five or more personal credit cards (from any card issuer) within the past 24 months.

What is the lowest credit score for Chase Freedom? ›

Chase Freedom Flex® credit score: 670 or higher. Most successful applicants have good credit or excellent credit. Chase Freedom Unlimited® credit score: 670 or higher here as well. Chase Freedom Rise℠ credit score: no minimum credit score but it is designed for consumers who are building credit.

Is $20000 a good credit card limit? ›

Yes, a $20,000 credit limit is good, as it is above the national average. The average credit card limit overall is around $13,000, and people who have higher limits than that typically have good to excellent credit, a high income and little to no existing debt.

How does Chase verify income? ›

You will need to provide a check stub and any forms showing duration of payments. Dividends. Brokerage statements for the last 2 years or previous two year's income tax returns Schedule B-Interest and Dividend Income (most current statement to ensure underlying deposits still exist and earning at the same level).

Is the Chase Freedom card a good card? ›

The Chase Freedom Unlimited® is an excellent card on its own, but it's even better as a companion to other cards that earn Chase Ultimate Rewards® points.

Should I tell my credit card company my income? ›

No, you don't have to update your income on your credit card. You're only required to provide your income during the credit card application process. Once you have the card, updating your income is voluntary.

Is the Chase Freedom card hard to get? ›

The Chase Freedom Unlimited® card is hard to get. You need a good credit score of 700 or higher, and enough income to afford at least the minimum monthly payments on the Freedom Unlimited card to have a good chance of being approved.

Why did I get rejected from Chase Freedom Flex? ›

Even if your credit score is above 700, you may be denied a Freedom Flex card for other reasons. Credit card issuers like Chase look at credit scores, the number of accounts you've recently opened in the last 12 to 24 months, your annual income and monthly payments like rent or other bills.

Is Freedom Flex a beginner card? ›

Chase Freedom Flex® Credit Card Card is not a good first-time credit card because it is only available to people with good credit or better. If you are a beginner and you've never owned a credit card, you are unlikely to get approved unless you've built good credit through other means.

What credit score do I need for Chase Freedom? ›

Chase Freedom Flex® credit score: 670 or higher. Most successful applicants have good credit or excellent credit. Chase Freedom Unlimited® credit score: 670 or higher here as well.

Why was i denied a Chase Freedom card? ›

You Chase Freedom Unlimited® could be denied because of a low credit score (below 700), not enough annual income, or too many recent credit inquiries. Other grounds for denial could be incomplete or inaccurate information on the application, or a pending bankruptcy on your credit report.

Is Chase Freedom Rise a good first credit card? ›

The Chase Freedom Rise® fits the bill if you're hoping to earn rewards while building your credit profile. It offers an uncapped, no-fuss 1.5% cash back on all purchases. Among cards for those just starting out, that's quite good, and it can help put some money back in your pocket while establishing credit.

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