Chase Freedom Flex Points Calculator

Credit Card Rewards Calculators
Calculate how many Chase Freedom Flex Points you can earn by inputting your monthly or yearly spending amounts and compare alongside top credit cards.
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Last Updated 2022-04-11

The Chase Freedom Flexâ„  is a cash back credit card that features bonus categories that rotate quarterly. These categories offers 5% cash back on up to a combined spend of $1,500 per quarter which can earn you up to $75 in cash back.

The card also has several non-rotating categories that earns bonus cash back which are Chase Travel, dining, and drugstore purchases.

Overall, the Chase Freedom Flex is one of the best cash back credit cards on the market and I highly recommend picking up this no-annual fee credit card.

Card Details At-A-Glance

Issuing Bank
Card Network
Rewards Earned
Rewards Avg. Value
Annual Fee
Authorized User Fee
Foreign Transaction Fee
Income Requirement
Chase Freedom Flexâ„ 
Chase Freedom Flexâ„ 
Annual Fee: $0
$250 Bonus
Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening.

Bonus Categories

As part of the Chase-Lyft Partnership, the Chase Freedom Flex Card also earns 5% on Lyft purchases until March 2025.

5% Quarterly Rotating Category

The Chase Freedom Flex Card earns 5 Ultimate Rewards Points per $1 spent on up to $1,500 across all featured categories for the quarter. After that cap is hit, you'll earn at the non-category rate of 1% for the remainder of the quarter.

You must activate your rotating quarterly categories every quarter. This is not automatic.

See Categories

5% Chase Travel

The Chase Freedom Flex Card earns 5 Ultimate Rewards Points per $1 spent on purchases made through Chase Ultimate Rewards. This includes hotels, car rentals, and airfare.

3% Dining

The Chase Freedom Flex Card earns 3 Ultimate Rewards Points per $1 spent on dining purchases. Chase considers dining to be:

  • Restaurants
  • Fast Food
  • Fine Dining
  • Diners
  • Coffee Shops (i.e. Starbucks)
  • Vending Machines
  • Bars
  • CafĂ©s
  • Food Delivery Services

3% Drugstore

The Chase Freedom Flex Card earns 3 Ultimate Rewards Points per $1 spent on drugstore purchases.

1% Everything Else

All other purchases made to the Chase Freedom Flex Card earns 1 Ultimate Rewards Point per $1 spent.

5% Categories

The Chase Freedom Flex features 5% back categories that rotates on a quarterly basis. Quarters are based on your standard calendar quarters:

  • Q1: January 1 - March 31
  • Q2: April 1 - June 30
  • Q3: July 1 - September 30
  • Q4: October 1 - December 31

You'll earn 5% back on up to $1,500 in combined spend across all featured categories for that quarter and earn 1% back for the rest of the quarter once you've hit that cap.

Listed below are the Chase Freedom Flex 5% Categories for each year.

Chase Freedom Flex Categories 2022
Quarter Categories
Q2 Amazon.com, Select Streaming Services
Q1 eBay, Grocery
Chase Freedom Flex Categories 2021
Quarter Categories
Q4 Walmart, PayPal
Q3 Grocery Stores, Select Streaming Services
Q2 Gas Stations, Home Improvement Stores
Q1 Wholesale Clubs, Cable, Internet, Phone Services, Select Streaming Services
Chase Freedom & Freedom Flex Categories 2020
Quarter Categories
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
Chase Freedom Categories 2019
Quarter Categories
Q4 Department Stores, PayPal, Chase Pay
Q3 Gas Station & Streaming Services
Q2 Grocery & Home Improvement Stores
Q1 Gas Stations, Tolls, Drugstores
Chase Freedom Categories 2018
Quarter Categories
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)

Card Benefits

DoorDash Benefits

As a Chase Freedom Flex cardholder, you'll receive a complimentary 3-month subscription to DoorDash's DashPass. This provides unlimited deliveries for a $0 delivery fee on eligible orders over $12 on DoorDash and Caviar.

After the complimentary subscription, you are automatically enrolled in DashPass at 50% off for the next 9 months. This benefit has to be activated by March 31, 2022.

Mastercard World Elite Benefits

The Chase Freedom Flex offers several Mastercard World Elite benefits which includes savings with Lyft, Fandango, and Hello Fresh. You'll also receive a complimentary 1-year ShopRunner membership which gives you free 2-day shipping and free returns at 100+ stores.

Travel & Purchase Protections

Chase Freedom Flex Points Value

Redemption Option Average Value (in cents)
Booking travel through Chase Ultimate Rewards 1
Redeeming points for cash back 1
Redeeming points for gift cards 1
Using points for Amazon.com purchases 0.8

Chase Freedom Flex Points are worth 1 cent each when redeemed for cash back, statement credits, gift cards, and travel. This means that 10,000 Chase Freedom Flex Points have a dollar value of $100.

You can obtain higher value by transferring your Chase Freedom Flex Points to an Ultimate Rewards credit card that offers the capability to transfer points to Chase's travel partners or redeem them for travel through Chase Ultimate Rewards for increased value.

Those options would be:

Here are the values you can obtain with each card when redeeming points for travel:

Chase Point Value - Travel
Card Point Value
Chase Freedom Flex 1 Cent
Chase Sapphire Preferred 1.25+ Cents
Chase Ink Business Preferred 1.25+ Cents
Chase Sapphire Reserve 1.5+ Cents

The best way to maximize the value of the Chase Freedom Flex Card is by pairing it with an Ultimate Rewards credit card that offers increased value towards travel.

For example, 20,000 points earned and redeemed with the Chase Freedom Flex alone would give you $200 in cash back, gift cards, or travel.

Those same 20,000 points earned with the Chase Freedom Flex and transferred to the Chase Sapphire Preferred or Chase Ink Business Preferred would be worth 1.25 cents each for $250 towards travel and the Chase Sapphire Reserve would offer an even higher 1.5 cents per point for a total of $300 towards travel.

In addition to the extra value through Chase Ultimate Rewards, you would also have the ability to transfer your points to Chase's airline and hotel partners which can give you as much as 2 cents per point or higher.

Chase 5/24 Rule

If you've opened up more than 5 new accounts in the last 24 months, it may be hard to get approved for the Chase Freedom Flex and other Chase credit cards. This includes any kind of new account and not just new credit card accounts.

If you're unsure of how many accounts you've opened up in the last 24 months, you can use Credit Karma to check for free without hurting you credit score.

Point Calculator

Use the Chase Freedom Flex Points Calculator to determine how many points you can earn based on the weekly or monthly spending amounts you enter.

You can calculate the cash value of the Chase Freedom Flex Card alongside up to two credit cards from any issuer.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site. This means there's no need ot re-enter spend when jumping to other credit card pages on the site.

NOTE 1: The Chase Freedom Flex Card features one category called Quarter Rotating Categories that calculates 5% back on up to $1,500 for each quarter.

If you want to just calculate how much you would earn in a single quarter, use the Chase Freedom Flex Card 5% Back Calculator.

NOTE 2: This calculator shows transfers to partners. Do note that you can not transfer points directly from the Chase Freedom Unlimited Card to Chase's travel partners. You must first transfer your points to an Ultimate Rewards credit card that is capable of transferring points such as the Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.

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5% Back Calculator

You can use this calculator to calculate how much cash back you can earn spending across the 5% cash back categories on the Chase Freedom Flex Card. It will calculate 5% back on up to $1,500 in spend and calculate 1% cash back for every $1 spent over that.

5% Quarterly Category
Enter how much you would spend during the quarter (3-month period).
5%
$
Total Cash Back Earned
The total amount of cash back you would earn during the quarter.
$ 0
Cash Back
0 Ultimate Rewards Points

Remember that while this is a "cash back credit card", it earns Chase Ultimate Rewards Points which can be redeemed for 1 cent each towards cash back.

Chase Freedom Flexâ„ 
Chase Freedom Flexâ„ 
Annual Fee: $0
$250 Bonus
Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening.

FAQ

Is the Chase Freedom Flex a good card?

Yes. It's a great no-annual fee cash back credit card that earns 5% back across quarterly rotating categories along with a great return on Chase Travel, dining, and drugstore purchases.

How does Chase Freedom Flex Points work?

Cash back earned with the Chase Freedom Flex is recorded as Ultimate Rewards Points with each point being worth 1 cent each when redeemed for cash.

How much are Chase Freedom Flex points worth?

Points earned with the Chase Freedom Flex are worth 1 cent each.

Can you transfer Chase Freedom Flex points to airline and hotel partners?

Chase Freedom Points cannot be directly transferred to Chase's full list of airline and hotel partners. You will first need to transfer your points to a Chase Sapphire Preferred, Ink Business Preferred, or Chase Sapphire Reserve credit card in order to transfer points to all Chase partners.