Chase Freedom Flex® Credit Card benefits include purchase protection, extended warranties on purchases, travel insurance and rental car insurance. You also get great rewards, an initial bonus, and 0% financing on purchases and balance transfers.
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Chase Freedom Flex Rewards
Chase Freedom Flex is an excellent rewards card, offering a significant amount of cash back in a variety of spending categories. It gives 5% cash back on up to $1,500 spent per quarter in bonus categories (which change every quarter and require activation), 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1% back on all other purchases.
On top of those ongoing rewards, you can also earn an initial bonus of $200 for spending $500 in the first 3 months.
Key Things to Know About Chase Freedom Flex Rewards
- Chase Ultimate Rewards: This card is advertised as a cash back card, but its rewards are actually Chase Ultimate Rewards points. You can redeem these points for cash back, travel, gift cards, a statement credit for previous purchases and more.
- Transfer to Travel Cards: If you have the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®, you can transfer your points to those cards.
- Chase Transfer Partners: If you move your points to a Chase Sapphire Preferred or Chase Sapphire Reserve account, you can then transfer those points at a 1:1 ratio to the loyalty programs of various airlines and hotels, such as Southwest, JetBlue, Hyatt and Marriott.
- No Expiration: There is no limit to the number of points you can earn. Your rewards also won’t expire as long as your account remains open and in good standing.
- Pay With Points: You can use your points to pay for Amazon.com orders or purchases made using PayPal. You can also redeem your points for Apple purchases through the Chase Ultimate Rewards redemption portal.
- Pay Yourself Back: Chase lets you redeem your points for a statement credit to pay off purchases made during the past 90 days.
- Referral Bonus: You can earn a referral bonus of $50 cash back (5,000 points) each time a person you refer to the card applies and gets approved. The maximum amount you can earn per year is $500 cash back (50,000 points).
Chase Freedom Flex Low Fees and APRs
$0 Annual Fee
Chase Freedom Flex has a $0 annual fee. That means you don’t have to worry about spending a certain amount to break even.
0% Intro APR
The card offers an introductory APR of 0% for 15 months on purchases and 0% for 15 months on balance transfers. Those are long intro periods for a card that also offers rewards.
Once the introductory APRs end, your balance will be subject to the card’s regular APR, which is 18.24% - 27.74% (V). The card also has a balance transfer fee of Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after).
Chase Freedom Flex Travel Benefits
Trip Cancellation and Interruption Insurance
When you book travel with your card and it’s cut short or canceled due to circumstances out of your control such as severe weather or sickness, this benefit can reimburse you up to $1,500 per traveler and $6,000 per trip. The reimbursement applies to pre-paid, non-refundable passenger fares.
You can learn more about this card’s coverage, as well as the best credit cards with travel insurance, here on WalletHub.
Auto Rental Collision Damage Waiver
When you rent a car using your card, this benefit can reimburse you for collision damage or theft up to the actual cash value of most rental cars. In order to receive this coverage, you’ll need to charge the entire rental to your card and decline any insurance the rental car agency offers. In the U.S., this benefit’s coverage is secondary to your personal auto insurance.
Chase credit cards such as Chase Freedom Flex rank among the best credit cards for rental car coverage, according to WalletHub’s Rental Car Insurance Study.
For full coverage details, you can refer to the Guide to Benefits provided after account opening, or call the number on the back of your card for assistance.
No Blackout Dates
When you use your card or your rewards to book travel through the Chase Ultimate Rewards travel portal, there won’t be any blackout dates. However, it’s worth noting that you’ll get much better value if you book your travel using one of Chase’s Sapphire cards instead.
Roadside Dispatch
You can call 1-800-349-2691 to connect to a 24/7 roadside assistance line. You can request the following services:
- Towing
- Tire change
- Jump start
- Lockout service
- Delivery of fuel
- Standard winching
This isn’t a free benefit, as you must pay for whatever services you use. That said, access to roadside assistance any time you need it with no membership fee is still useful.
For full coverage details, you can refer to the Guide to Benefits provided after account opening, or call the number on the back of your card for assistance.
Travel and Emergency Assistance Services
You can call 1-800-349-2691 if you have an emergency while traveling. This 24/7 help line offers assistance with:
- Getting in touch with your family or business associates
- Legal and medical referrals
- Locating lost baggage
- Arranging emergency transportation home or to a medical facility
- Translation services if you’re in a foreign country
- Delivery of important documents and prescriptions
- Emergency Ticket Replacement
- Pre-Trip Assistance
Lyft Bonus
Through September 2027, Chase Freedom Flex cardholders can get a total of 2% cash back on Lyft rides. That’s 1% cash back in addition to the 1% cash back you already earn.
Chase Freedom Flex Protection Benefits
Purchase Protection
When eligible items you purchase with your card get damaged or stolen within 120 days, this benefit can reimburse you up to $500 per claim and $50,000 per account.
Chase Freedom Flex has decent purchase protection coverage when compared to the market as a whole, according to WalletHub’s Purchase Protection Study.
Extended Warranty Protection
Extends the time period of the U.S. manufacturers warranty by an additional year, on eligible warranties of three years or less.
You can learn more about this card’s coverage, as well as the best credit cards that offer extended warranties, here on WalletHub.
Cell Phone Protection
When you pay your monthly cell phone bill with your card, your phone is covered against damage and theft, up to $800 per claim and $1,000 per 12-month period. You can make a maximum of two claims per 12-month period, each of which will have a $50 deductible.
For full coverage details, you can refer to the Guide to Benefits provided after account opening, or call the number on the back of your card for assistance.
24/7 Fraud Monitoring
Chase monitors your account 24/7 in order to find and prevent fraud. The bank will send you notifications if it detects suspicious charges on your account.
$0 Fraud Liability
You won’t be held liable for any fraudulent purchases that you report or that Chase independently catches.
Chase Freedom Flex Event Benefits
Chase Preferred Seating
Certain events reserve blocks of seats just for Chase cardholders, which gives you a better chance of getting “some of the best seats in the house,” according to Chase.
Festival Benefits
Being a Chase cardholder can get you special perks at certain music festivals. Benefits may include:
- Fast lanes
- Free mobile charging station
- Discounts at merchandise and concession stands
- Presale tickets
Other Chase Freedom Flex Benefits
Chase Credit Journey
You can view your credit score for free through your online account, as well as get personalized insight on how to improve. You can access a credit score simulator, too.
It’s worth noting that you can also check your credit score and credit report for free on WalletHub. Our site also offers personalized advice and a credit score simulator.
Chase Pay Over Time
This feature lets you divide eligible purchases of $100+ into equal installments with a low monthly fee rather than your card’s regular interest rate. Through your online account, you can choose payment plans ranging from 3 to 24 months. You can also pay off your purchases early, and you won’t owe any of the remaining monthly fees you would have paid.
DoorDash Benefit
Chase Freedom Flex gives you six complimentary months of DashPass membership with the DoorDash and Caviar apps. While this membership is active, you’ll have $0 delivery fees and lower service fees on eligible orders. You’ll also receive up to $10 off quarterly on non-restaurant DoorDash orders. You must activate this benefit before 12/31/27 in order to receive it.
Credit Building
You can use the Chase Freedom Flex to continue to improve your credit score, since it reports to the three major credit bureaus on a monthly basis.
Tap to Pay
You can use tap to pay at checkout. This secures you against illegal credit card skimmers and makes the checkout process faster.
Paperless Billing
Chase allows you to receive billing and other correspondence electronically rather than by mail. You can access up to six years of past statements online.
You can learn more about Chase Freedom Flex from WalletHub’s in-depth editor’s review.
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