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All information about The Chase Freedom Flex® Card has been collected independently by The Point Calculator. The Chase Freedom Flex Card is no longer available through The Point Calculator.
Chase Freedom Flex points can be transferred to other Ultimate Rewards credit cards for increased value towards travel.
Our Take
The Chase Freedom Flex is an excellent no-annual fee credit card that offers 5% cash back on quarterly rotating categories. With no annual fee, it's worth picking up as the categories featured are usually pretty good.
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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.
Calculator: Chase Freedom Flex points to dollars
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Chase Freedom Flex benefits
Here are the main benefits of the Chase Freedom Flex:
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.
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!
Chase Freedom Flex 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.
Chase Freedom Flex points calculator
Use the Chase Freedom Flex points calculator to estimate points earned from your spending and calculate the card's overall value, factoring in benefits and fees.
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. Chase doesn't show all of their categories for the year at once, so there's no way to properly add this to the calculator.
The card has no annual fee and is well worth it, so it shouldn't matter much!
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Intro Bonus:
Annual Fee:
Authorized User Fee:
Bonus Categories:
Loyalty & Memberships
Loyalty: When adding hotel rewards cards (and a select few others) you'll be able to factor in the points earned from elite status. If a card offers complimentary status, the proper status will be selected by default.
Loyalty is reflected by a blue LOY image. Adding a card with loyalty attached to it will add it to the calculator. It becomes its own entity once added to the calculator and can be removed independent of the card that added it.
Membership: If a card offers any kind of bonus rewards based on your membership in a program, the option will be listed here. Do note that some options calculate automatically.
Welcome Bonus: Any welcome bonuses that changes the earning rates of a card will also be listed here. This allows you to toggle the bonus on or off.
Use this section to enter how much you plan on spending either monthly or yearly across different categories for each card listed.
You can click on the option button for access to a lot of useful tools you can use to quickly adjust spending for the calculator.
Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
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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.
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Spend Region:
Category Spending Total
The amount of rewards earned from card spending.
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Rewards & Bonuses
If a card earns bonus points, miles, or cash back, it will be listed here. You'll be able to edit or toggle on/off most bonuses listed here.
Do note that some bonuses may be automatically calculated based on spend entered in the Category Spending section.
If you want to factor in an intro or welcome bonus, you can also do that here by entering it in the Extra Value field. You can click on View Offers when applicable to see current sign up bonuses for all top credit cards by category.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Rewards & Bonus Total
The amount of rewards earned from card bonuses.
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Total Rewards & Cash Value
This is the total of all points, miles, and cash back earned between Loyalty & Memberships, Category Spending, and Rewards & Bonuses.
You can view the average value of the rewards based on popular redemptions and the transfer of rewards to partners (where applicable).
This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.
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Transfers To Partners
Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.
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Cash Back, Statement Credits
Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.
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Travel
Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).
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Gift Cards
Redemptions to do with using your rewards towards the purchase of gift cards.
Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.
Rewards Cash Value
The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.
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Monetary Bonuses
This section lists all monetary bonuses. This includes annual credits and top-tier benefits that can offer great monetary value.
If there's a perk or benefit missing that you find valuable, you can add how much you value it in the Extra Cash Value field.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Total Cash Value
The total cash value of all listed benefits plus the cash value of rewards earned.
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Fees
With great benefits comes great annual fees. If a card has a fee that you have to pay annually (or monthly in rare cases), it will be listed here. You have the ability to change it.
If the card charges a fee for adding authorized users, it will also appear in this section.
Annual Fee
This is the fee you must pay annually to have the card.
Authorized User Fee
This is the cost to add additional users or supplemental cards to the account. Enter total amount of authorized users.
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Total Card Value
This is the total cash value of each listed card when factoring in all rewards and all fees.
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Learn More
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