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신용카드 · Chase
최근 검증 2026년 6월 16일

Chase Freedom Flex

$200 cash back after just $500 of spend in the first 3 months — one of the lowest hurdles in the no-annual-fee category. Beyond the bonus it earns 5% on rotating quarterly categories you must activate (up to $1,500/quarter), plus 5% on Chase Travel and 3% on dining and drugstores. The catch is Chase's 5/24 rule, which makes it a poor fit for newcomers early in their card journey.

※ 상품명·금액·조건·진행 가이드는 미국 발행사 공식 정보 기준이라 영어로 표기합니다 (잘못된 번역 방지).

자세한 조건

Spend $500 on purchases in the first 3 months from account opening

진행 가이드

  1. 01 Check your 5/24 status first — 5+ new cards (any issuer) in 24 months means near-automatic denial.
  2. 02 Apply on Chase.com and confirm the '$200 after $500 in 3 months' offer.
  3. 03 After approval, activate the current quarter's 5% categories, then put at least $500 of normal spending on the card.
  4. 04 Pay in full each month, and re-activate the 5% categories every new quarter.

주의할 점

  • ! Chase 5/24 sinks more Freedom Flex applications than the spend requirement ever will.
  • ! The 5% rotating categories aren't automatic — you must activate each quarter, capped at $1,500 in combined spend.
  • ! The cash back is technically Ultimate Rewards points; their top-end value depends on pooling with a premium Chase card.
편집자 노트

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