Chase Freedom Flex

Name: Chase Freedom Flex
Brand: Chase

Community

No annual fee · Chase Ultimate Rewards · ~3% foreign transaction fee

🎁 Welcome offer: $200 after $500 in 3 mo

Related community datapoints

Hyatt transfers drop to 4:3 for new cardholders — Chase Ultimate Rewards → World of Hyatt is no longer 1:1 for new cardholders (now 4:3). Existing cardholders keep 1:1 until Oct 1, 2026 — if you rely on Hyatt transfers, move points before the deadline.
CSP 100k all-time-high offer is live (limited window) — 100,000 points after $5,000 in 3 months — only the third time this offer has existed. The last run lasted ~6 weeks and this one is already several weeks in; if you're under 5/24 and want it, don't sit on it.
3rd Chase business card approved after manual review — Applicant with multiple existing Ink cards was approved after additional review. Chase reportedly weighed total credit exposure, utilization, business legitimacy (registration/insurance/website), and the banking relationship. Reducing existing limits before applying may help.

Earning rates

✈️ Travel (flights, hotels)portal only
Travel via Chase Travel
5x
🍽️ Dining & restaurants
3x
💊 Drugstores
3x
💳 Everything elserotating
5% rotating quarterly categories (activation required), up to $1,500/qtr
Capped at $1,500/quarter
5x
💳 Everything else
1x

What are the points worth?

Cash back1.00¢ / pt
Balanced1.50¢ / pt
Aspirational travel1.90¢ / pt

💡 Points Boost: select Chase Travel redemptions run up to 1.5–2¢/pt (legacy 1.25/1.5¢ into 2027). Hyatt transfers drop to 4:3 for NEW cardholders (existing keep 1:1 until Oct 1, 2026) — the aspirational value takes a haircut.

✈ Airlines: United MileagePlus, Southwest Rapid Rewards, Air Canada Aeroplan, British Airways, Air France/KLM Flying Blue, Virgin Atlantic, Singapore KrisFlyer, Emirates Skywards, JetBlue TrueBlue, Iberia Plus, Aer Lingus AerClub

🏨 Hotels: World of Hyatt (4:3 for new cardholders), Marriott Bonvoy, IHG One Rewards

Community data points

anecdotal

Hyatt transfers drop to 4:3 for new cardholders
Chase Ultimate Rewards → World of Hyatt is no longer 1:1 for new cardholders (now 4:3). Existing cardholders keep 1:1 until Oct 1, 2026 — if you rely on Hyatt transfers, move points before the deadline.
confirmed — multiple sources · last reported 2026-07 · user-reported, not bank policy
CSP 100k all-time-high offer is live (limited window)
100,000 points after $5,000 in 3 months — only the third time this offer has existed. The last run lasted ~6 weeks and this one is already several weeks in; if you're under 5/24 and want it, don't sit on it.
confirmed — multiple sources · last reported 2026-07 · user-reported, not bank policy
3rd Chase business card approved after manual review
Applicant with multiple existing Ink cards was approved after additional review. Chase reportedly weighed total credit exposure, utilization, business legitimacy (registration/insurance/website), and the banking relationship. Reducing existing limits before applying may help.
1 recent report · last reported 2026-07 · user-reported, not bank policy
“7–10 day” pending status approved on day 12
A Sapphire Preferred application sat in the 7–10 day message and approved unexpectedly on calendar day 12 with no call. Pending is not denied — don't cancel or reapply while a decision is in review.
1 recent report · last reported 2026-07 · user-reported, not bank policy
Paze offer credits posting late and backdated
Missing Paze promotional credits eventually appeared, backdated near the original transaction dates. Give offer credits a few statement cycles before treating them as failed.
several reports · last reported 2026-07 · user-reported, not bank policy

⚠ Chase 5/24:if you've opened 5+ personal cards across all banks in the last 24 months, Chase will almost certainly deny this application.

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Updated Jul 15, 2026Apply (referral) →

Reward data is community-maintained and may be out of date — welcome offers in particular change constantly. Verify with Chase before applying. Not financial advice.