Chase Freedom Flex Card Calculator

Card Details & Chase Cash Back Calculator
5% Quarterly Rotating Categories
5% Chase Ultimate Rewards Portal
5% Lyft
3% Dining
3% Drugstore
1% Non-Category
DoorDash Benefits
Purchase Protections

Calculate how much cash back you can earn with the Chase Freedom Flex Card based on your spend and compare the results side by side top cards.


The Chase Freedom Flex Card is an upgraded version of the old Chase Freedom Card that offers 5% cash back on quarterly rotating categories. The card also earns a lower amount of cash back across several (non-rotating) categories. It's a great card to have due to the high return and $0 annual fee. The Chase Freedom Flex Card pairs well with any Chase Ultimate Rewards Credit Card.

You can calculate total Ultimate Rewards Points using the UR version of the calculator: Chase Freedom Flex Card Calculator (UR).

Bonus Categories

The Chase Freedom Flex Card features four static bonus categories which are travel purchases made through the Chase Ultimate Rewards portal, dining, drugstore, and Lyft. The card also features quarterly rotating categories. The quarterly rotating categories are capped at $1,500 in spend per quarter while the static categories have no cap. There's no limit to how much cash back you can earn with the Chase Freedom Flex Card in overall.

  • 5% Quarterly Rotating Categories
    • Combined spend cap of $1,500 across all featured categories; earn at non-category rate (1%) after hitting cap.
    • Must activate your rotating quarterly category every quarter. This is not automatic.
  • 5% Chase Travel
    • Travel must be purchased through the Chase Ultimate Rewards Portal.
  • 5% Lyft
    • All Chase cash back and Ultimate Rewards credit cards feature Lyft as a bonus category.
    • Part of the Chase-Lyft partnership which lasts until March 2022.
  • 3% Dining
  • 3% Drugstore
  • 1% Non-Category
chase freedom 2020 calendar

Previous Categories

Below is a list of bonus categories that has been featured as a Chase quarterly rotating category for previous years. This will give you an idea of what kind of categories Chase offers on a yearly basis since they don't display all of their categories at once.

Chase Quarterly Rotating Category History
2020
Q4 PayPal, Walmart
Q3 Amazon.com, Whole Foods Markets
Q2 Grocery, Fitness Club, Gym Memberships, Streaming Services
Q1 Gas Stations, Internet, Cable, Phone, Streaming Services
2019
Q4 Department Stores, PayPal, Chase Pay
Q3 Gas Station & Streaming Services
Q2 Grocery & Home Improvement Stores
Q1 Gas Stations, Tolls, Drugstores
2018
Q4 Department Stores, Wholesale Clubs, Chase Pay
Q3 Gas Stations, Walgreen's, Lyft
Q2 PayPal, Chase Pay, Grocery Stores
Q1 Gas Stations, Internet, Cable, Phone Service Providers, Mobile Wallets (e.g. Apple Pay, Chase Pay, Google Pay, Samsung Pay)

Perks & Benefits

The Chase Freedom Flex Card is a Mastercard you'll have access to the standard Mastercard World Elite Benefits. Other benefits may also be available and I'll update this accordingly once the card is released to the public including listing out the major Mastercard World Elite benefits.

  • Mastercard World Elite Benefits
  • DoorDash Benefits
    • 3 months of DashPass membership; 50% off DashPass after membership expires (auto enrolled).
  • Purchase Coverage
    • Auto Rental Collision Damage Waiver
    • Trip Cancellation/Interruption Insurance
    • Travel and Emergency Assistance Services
    • Purchase Protection
    • Extended Warranty Protection
    • Fraud Protection
    • Cell Phone Protection

Sign Up Bonus (SUB)

The signup bonus for the Chase Freedom Flex Card is $200 after spending $500 on the card within the first 3 months. You'll also be able to earn 5% back on grocery stores on up to $12,000 in purchases during the first year.

Fees

Annual Fee

The Chase Freedom Flex does not have an annual fee which makes this great a great option for earning cash back (or Ultimate Rewards Points).

Authorized User Fee

There is no fee to add authorized users to the Chase Freedom Flex Card. I highly recommend adding friends and family to the card to help build your cash back faster.

Foreign Transaction Fee

The Chase Freedom Flex Card has a foreign transaction fee of 3% which makes it a bad choice for earning cash back on international spending.

Note

Note: This calculator features 4 quarterly categories. I recommend inputting spend by year if you only want to calculate rewards for a single quarter. For example, entering $1,500 per year for quarter 1 to show max rewards for that quarter's categories (which will output $75 in cash rewards). Using per month or per quarter would include the 9 months in which the quarter bonus does not apply.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Categories
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Options
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
$0
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
$0
Total Return
The percent you are earning based on spend, earnings, and fees.

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