Chase Freedom Flex℠ (CFF) Review (2021.11 Update: $200+5x Offer)

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Chase Freedom Flex℠ World Elite Mastercard® Review

2021.11 Update: The 25k+5x in branch offer is expired. The current offer is 20k+5x or 25k. Since 5x on grocery is a quite easy way to earn many points, it is better than the 25k offer in my opinion.

2021.8 Update: The offer in branch is 25k + 5x on grocery in the first year. It is 5k points higher than the online offer. HT: DoC.

2021.7 Update: The welcome offer is 20k + 5x on grocery in the first year.

Application Link


  1. 20k+5x offer: earn 20,000 Ultimate Rewards (UR) points after spending $500 in the first 3 months.Earn 5x UR points on grocery store purchases on up to $12,000 spent in the first 12 months.
  2. Earn 5x UR in each quarter』s bonus categories, 1x UR 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:
  3. Earn 5x UR points on travel purchased through Chase Ultimate Rewards, earn 3x UR points on dining (restaurants & delivery) and drugstore, and earn 1x UR point on all other purchases.
  4. Although this card is advertised as a cash back card, it actually earns UR points. We estimate that UR points are worth about 1.6 cents/point, see below for a brief introduction. So the 20k sign-up bonus could be worth about $320, and the return on spending on bonus categories could be worth about 8%!
  5. [Limited Time] Earn 5x UR points on Lyft, until 2022.03.31. Here is the official link for this promotion.
  6. [Limited Time] Free DashPass (Doordash membership) for 3 months, and 50% discount on Dashpass for 9 months. Activation required before 2021.12.31. Here is the official link for this promotion.
  7. 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.
  8. No annual fee.


  1. You have a $1,500 cap in 5x 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.
  2. It has foreign transaction fee, so it's not a good choice outside the US.

Introduction to UR Points

Recommended Application Time

  1. [5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will not approve your application on this card, 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.
  2. 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.
  3. Don』t apply for more than 2 Chase credit cards within 30 days, or it』s highly likely that you will get rejected.
  4. 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.
  5. We recommend you to apply for this card after you have a credit history for more than 8~9 months.
  6. Note that you can not have more than one Freedom Flex card at the same time, therefore you can not increase its 5x 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.


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.
  • Chase reconsideration backdoor number: 888-270-2127 or 888-609-7805. Call it if you didn』t get approve immediately. Your personal information will be acquired and they will then review it. You seldom answer questions, instead, just enjoy the music and then you get approved or rejected, or further information is needed to be hand in to the branch or faxed.

Historical Offers Chart

Note that in 2020 there is a 20k + 5x on grocery in the first year offer, and the latter part is not shown in the plot.

Application Link

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