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Chase Freedom Flex: $250 after just $500 in spend — limited time, no annual fee

What the bonus is worth: 25,000 points if combined with a Sapphire.

Limited-time offer.

Our take

The easiest bonus here: $500 of normal spending gets you $250, with no fee ever. The limited-time $250 (normally $200) is why it's on the list today. Hold it alongside a Sapphire and the quarterly 5% categories turn into transferable points. Freedom Unlimited has a $200 version with flat 1.5% back if you hate activating categories.

Who it's for

Anyone who wants an easy $250 and a no-fee card that keeps paying. Freedom Unlimited (flat 1.5%, $200 bonus) is the pick if you won't activate categories.

Rates & fees at a glance

Welcome bonus	$250 bonus (up from $200)
Spend requirement	$500 in the first 3 months
Annual fee	$0 (Limited-time offer)
APR	0% intro APR on purchases and balance transfers for 15 months, then 18.49%–27.99% variable
Earns	cash back (as Ultimate Rewards points)
Network	Mastercard
Checked	Oct 8, 2026 on Chase's site

How to stack it

• Time the application with a big planned expense (insurance, tuition, a trip) so the spend requirement is money you'd spend anyway.
• Shop through a cashback portal and the card's own offers (Chase Offers, Amex Offers, Capital One Offers) while meeting the spend — the bonus stacks on top of normal earning.
• Set a calendar reminder for the end of the spend window and another before the first annual fee posts.

Verified: Chase's Freedom Flex page, Oct 8, 2026: “LIMITED-TIME OFFER — Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening” (shown as $200 struck through, $250). Annual fee $0. Freedom Unlimited page: $200 after $500. Source: creditcards.chase.com. Offers change; the issuer's page is final.

Advertiser & referral disclosure: StackTheDeal may receive a referral bonus or commission when you apply for a card or open an account through links on this page. That never changes which offers we post or what we say about them. Offer terms are as shown on the issuer's own page on the date checked; the issuer's page is final, and offers can change or end without notice. We are not a bank or lender and do not make credit decisions. How we make money.

Common questions

Is the $250 new?

Chase's standard offer has been $200 after $500 in 3 months; the current offer page shows $250 for the same spend, so it's one of the easiest card bonuses out there.

Answered by StackTheDeal

Does it have an annual fee?

No. The Freedom Flex is a no-fee card, so the full $250 is yours to keep.

Answered by StackTheDeal

How do the rotating 5% categories work?

Each quarter Chase announces categories (gas, groceries, Amazon, etc.) that earn 5% on up to $1,500 in combined purchases. You have to activate each quarter in the app; otherwise it earns 1%.

Answered by StackTheDeal

Does 5/24 apply?

Yes. The Freedom Flex is a Chase card, so you need fewer than 5 new cards in 24 months.

Answered by StackTheDeal

Can I get the bonus if I have a Freedom Unlimited?

Yes. The Flex and Unlimited are separate products; the rule is no Freedom Flex bonus in the last 24 months and you can't currently hold a Flex.

Answered by StackTheDeal

When does the $250 post?

Usually with the first or second statement after you spend $500, about 4 to 8 weeks.

Answered by StackTheDeal

Apply on Chase's site 👉

Questions about this offer?

💬 Ask us and we'll check it for you: message us on WhatsApp or email stackthedeal@gmail.com. Found it cheaper? Tell us and we'll update the post.