How do I earn this bonus?
- Apply through the linked offer page after checking your history for this exact card and its bonus.
- Make $500 of qualifying purchases, net of returns and refunds, in the first three months from account opening.
- Keep the account open and not in default while Chase posts the 20,000 bonus points.
What counts—and what doesn’t.
Qualifying activity
- Purchases of products and services by you or an authorized user, minus returns and refunds.
Excluded or unsafe to assume
- Balance transfers, cash advances, cash-like activity including money orders and wires, gambling transactions, account-access checks, interest, fees, and unauthorized or fraudulent charges.
A balance transfer does not count toward the $500 welcome target. The rotating 5% cash-back categories require quarterly activation and have a $1,500 combined-purchase cap; those rewards are a separate feature.
Who is eligible for this offer?
Current Freedom Flex cardmembers and former cardmembers who received its new-cardmember bonus within the last 24 months are excluded. Offers can vary by application channel.
The 20,000-point bonus can be redeemed for $200 cash back. The 24-month restriction in this offer is for the Freedom Flex bonus, not every Chase card.
U.S. application; confirm address eligibility with Chase. Credit approval and bonus eligibility are separate decisions.
What fees could reduce the bonus?
No annual fee. Interest and transaction fees may apply. Chase advertises a separate introductory APR; confirm its current purchase and balance-transfer terms before borrowing.
When does the qualification clock start?
Three months from account opening; card delivery does not restart the purchase window.
When should the bonus arrive?
Allow six to eight weeks after qualifying for bonus points to post.
A concrete example
Planning example: $200 + $200 + $100 in ordinary purchases reaches $500 before returns. A $100 refund would put the net total below target.
Timing and availability
End date not stated. This is a dated offer snapshot. Confirm that the promotion is still available before opening an account.
Keep the terms. Track the steps.
Save this version of our summary with your dates and checklist. A later offer update will not rewrite your plan. Keep the official agreement and enrollment confirmation separately.
Use the date that starts this offer’s clock. Dates are estimates; confirm them with the issuer.
Read the terms saved in this plan
Saved in this browser, with no account required. Download a copy before clearing browser data. We do not send your dates or checklist to our server. Importing calendar dates may sync them through your calendar provider; its settings control notifications.
Your completion checklist.
Checkmarks are your notes, not confirmation from the issuer. Save a plan above to keep them with a specific offer summary.
Keep the terms with your checklist.
Save the official offer terms and your enrollment confirmation. Record the exact start date, qualifying activity, deadline, and expected payout. Check the issuer’s full account agreement for account-standing, holding-period, and early-closure conditions; this summary does not establish that there are none.
The account must be open and not in default when Chase fulfills the bonus.
If the bonus does not arrive
Wait through the stated payout window, then ask the issuer which condition remains unmet. Keep your offer confirmation, relevant statements or posted activity, and support case number. Share account documents only through the issuer’s secure channels.