Earning Rates

The Chase Freedom Flex earns Ultimate Rewards points that can be redeemed for cash back and more. It earns at the following rates:

  • 5% cash back on different categories like gas stations, grocery stores (excluding Target® and Walmart®) and select online merchants on up to $1,500 in total combined purchases each quarter you activate.
  • 5% cash back on travel purchased through Chase Travel.
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services.
  • 3% cash back on drugstore purchases.
  • 1% cash back on all other purchases.

Rewards Value & Calculator

Loading Info

Key Benefits

Here are the main benefits of the Chase Freedom Flex:

  • Travel & Purchase Coverage: Trip Cancellation Insurance, Trip Interruption Insurance, Cell Phone Protection, Auto Rental Collision Damage Waiver, Purchase Protection, and Extended Warranty Protection.

Transfer Partners & Conversion Calculator

Points earned with the Chase Freedom Flex Card cannot be transferred directly to other programs, but you can transfer your points to an eligible Ultimate Rewards credit card that allows you to transfer to Chase's airline and hotel partners.

Eligible cards include:

Chase Freedom Flex Points can be transferred to any of the cards above. You will then be able to convert those points into airline miles and hotel points.

This means that pairing the Chase Freedom Flex with any of these cards will allow you to redeem your points for more than the average value towards travel. You'll be able to easily get 1.25 cents or more per point!

Fees

Annual Fee

The Chase Freedom Flex has a $0 annual fee.

For a card that earns 5% back on solid quarterly categories, you can't go wrong picking this card up. As long as you pay your statement monthly, this is easy cash back.

Authorized User Fee

There is no fee to add authorized users to the Chase Freedom Flex. Adding family and friends can help you earn rewards faster.

Foreign Transaction Fee

The Chase Freedom Flex has a 3% foreign transaction fee. This means that you will be penalized everytime you use this card to make a transaction outside of the United States.