Chase Freedom Flex Card Calculator
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
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.
| 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.
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.
