Chase Freedom Flex℠ (CFF) Credit Card Review (2026.9 Update: $250 Offer; No FTF Now)

physixfan 2026-09-22 2026-09-22

Advertiser Disclosure: This site is part of affiliate sales networks and receives compensation for sending traffic to partner sites.This compensation may impact how and where links appear on this site.This site does not include all financial companies or all available financial offers.

[2026.9 Update] The new welcome bonus is $250, along with the following changes:

The foreign transaction fee (FTF) has been eliminated.

Cell phone protection has been discontinued.

Points Boost is now available for UR point redemptions, offering up to a 10% boost on select hotel bookings.

This is pretty useless—even with the boost, redeeming UR points with a Freedom card still isn’t as good as redeeming them with the CSP/CSR.

The card art is updated.

[2024.4 Update] The $200+5% on grocery&gas offer is expired.The current offer is $200.

[2023.7 Update] There is a new $200+5% on grocery&gas offer.Screenshot.[2023.9 Update] Expired.

The current offer is $200.

Offer Link

Benefits

$250 offer: earn $250 cash back after spending $500 in the first 3 months.This is one of the best offers on this card.
Earn 5% cash back in each quarter’s bonus categories, 1% cash back on all other purchases.You need to activate beforehand, and the deadline is the 14th of the last month of each quarter, it won’t be activated automatically for a new card.For example, here is the bonus category calendar for 2020:
Earn 5% cash back on travel purchased through Chase Ultimate Rewards, earn 3% cash back on dining (restaurants & delivery) and drugstore, and earn 1% cash back on all other purchases.
Although this card is advertised as a cash back card, it actually earns Ultimate Rewards (UR) points.We estimate that UR points are worth about 1.6 cents/point, see below for a brief introduction.
So the 25k sign-up bonus could be worth about $400, and the 5x UR points earning rate on bonus categories could be worth about 8%!
Refer a friend: You can earn 10,000 bonus UR points for every approved account you refer, up to a maximum of 5 approved referrals (50,000 UR points) per calendar year.
Cell phone protection: get up to $800 per claim and $1,000 per year in cell phone protection against covered theft or damage for phones listed on your monthly cell phone bill when you pay it with your eligible credit card.Deductible $50.[Update] This benefit is eliminated as of 2026.9.
[New] No foreign transaction fee.
No annual fee.

Disadvantages

You have a $1,500 cap in 5% bonus categories per quarter, which means you can earn up to 7.5k points per bonus category each quarter.After that, you earn 1 point per dollar spent.

Introduction to UR Points

You can earn UR points with Chase Freedom Student, Chase Freedom, Chase Freedom Unlimited (CFU), Chase Sapphire Preferred (CSP), Chase Sapphire Reserve (CSR), Chase Ink Cash (Business), Chase Ink Unlimited (Business), Chase Ink Preferred (Business), etc.

You can move your UR points from one UR card to another at any time.

UR points never expire.

You will lose the UR points on one card if you close the account, but you can prevent losing your UR points by moving the points to another UR card beforehand.

If you have Chase Sapphire Preferred (CSP), Chase Sapphire Reserve (CSR), or Chase Ink Preferred (Business), UR points can be transferred to some hotel points.One of the best ways to use UR points is to 1:1 transfer to Hyatt points.UR points can also be transferred to some airline miles.One of the most common and best ways to use UR points is to 1:1 transfer them to United Airlines (UA) miles (Star Alliance), and combine them with the UA miles earned from the UA card.

Other good options are: Southwest (WN) (Non-alliance), British Airways (BA) (Oneworld), Virgin Atlantic (VS) (Non-alliance), etc.If you use UR points in this way, the value is about 1.6 cents/point.

If you have Chase Sapphire Reserve (CSR), you can redeem your UR points for up to 2.0 cents/point towards air tickets or hotels on Chase Travel with the "Points Boost" feature; if you have Chase Sapphire Preferred (CSP) or Chase Ink Preferred (Business), the value is up to 1.5 cpp (or 1.75 cpp for premium cabin).

If you have any of the UR cards, you can redeem your UR points at a fixed rate 1 cent/point towards cash.

In summary, we estimate that UR points are worth about 1.6 cents/point.

For more information about UR points, see Maximize the Credit Card Points Values (overview), and Introduction to UR: How to Earn and Introduction to UR: How to Use (very detailed).

Recommended Application Time

[5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will not approve your application, no matter how high your credit score is.The number of new accounts includes all credit card accounts, not only Chase accounts.See this post for details about how to possibly bypass this rule.
This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.
Note that what matters here is the time you got the sign-up bonus, not the time you open the account or close the account.
Don’t apply for more than 2 Chase credit cards within 30 days, or it’s highly likely that you will get rejected.
If you have more than $10,000 deposits in Chase checking, you can get this card even with no credit history at all.You can go to a branch and find a banker to apply for this credit card directly through Special Consideration.Special Consideration is no longer available.
We recommend you to apply for this card after you have a credit history for more than 8~9 months.
Note that you can not have more than one Freedom Flex card at the same time, therefore you can not increase its 5% bonus categories spending limit by holding multiple cards.[Update] Actual data points show that you can still get multiple of this card by product change.

Summary

This Chase Freedom Flex (CFF) card is an upgrade from the old Chase Freedom card.

Pretty like the old Freedom card, you can mainly use it on the 3x (~4.8%) and 5x (~8%) bonus categories.After you accumulate enough UR points, you can apply for a CSP/CSR and then transfer these UR points to airline miles/hotel points to get maximum value out of your points.The old Freedom card is already a fantastic card, and this upgraded CFF card is even better! This card makes a lot of other dining credit cards less attractive.Everyone should have one!

You can apply directly for this card if under 5/24, otherwise you can do a product change (from other Freedom cards or Sapphire cards) to obtain it.

Related Credit Cards

After Applying

Call 800-436-7927 to check Chase application status.

This is an automated telephone line, and the information has the following meanings: Receive decision in 2 weeks means your application is probably approved; Receive decision in 7-10 days means your application is probably rejected; Receive decision in 30 days simply means your application requires further review and there’s nothing to tell you for now.

Historical Offers Chart

Note that sometimes there is a $200 + 5% on grocery in the first year offer, and the latter part is not shown in the plot.

Offer Link

Editorial disclosure: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity.This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

If you like this post, don't forget to give it a 5 star rating!

[Total: 1 Average: 5/5]

Disclaimer: This story is auto-aggregated by a computer program and has not been created or edited by mycardopinions.
Publisher: Source link

Your email address will not be published. Required fields are marked*

Frequently Asked Questions

Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.

However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.

Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.

Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.