How does the Chase Freedom Flex purchase protection benefit work?

Chase Freedom Flex purchase protection provides up to $500 per claim and $50,000 per account in reimbursement for items purchased with the card that get damaged or stolen. The Freedom Flex purchase protection coverage lasts for 120 days after the date of purchase. Chase will replace the item, repair it or reimburse the original purchase price, whichever is least expensive. Items purchased using Chase Ultimate Rewards points are also eligible for this benefit.

It’s hard to find details of the fine print for Chase Freedom Flex purchase protection coverage online. But assuming it functions like the coverage on the original Freedom card and on other Chase cards, there will be multiple types of items that aren’t covered. For example, Chase purchase protection typically doesn’t cover purchases of animals or plants, computer software, motorized vehicles, antiques or collectibles, and perishable items, among other things.

To file a Chase purchase protection claim, you’ll usually need to contact the Chase Benefit Administrator within 90 days using the phone number in your benefits guide or the online claims center, then complete a claim form and submit any supplemental documents within 120 days of the incident. You should read your card’s benefits guide to find out the exact details for filing a Chase Freedom Flex purchase protection claim.