Earn 5% cash back on up to $1,500 in combined purchases in activated quarterly categories, 5% on travel purchased through Chase Travel, 3% at restaurants and drugstores, and 1% on all other purchases.
Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.
Perqt Analysis
Three ways to value this card. Only one of them is yours.
Earn a $200 bonus (20,000 bonus points) after you spend $500 on purchases in the first 3 months from account opening.
Est. value
$200
Minimum spend
$500
Within
3 mo
Earning rates
All other purchases
1×
cash back
Chase Ultimate Rewards
Top earn
Combined purchases in bonus categories each quarter you activate
on up to $1,500
5×
cash back
Chase Ultimate Rewards
Top earn
Travel
5×
cash back
Chase Ultimate Rewards · Chase Travel
Dining at restaurants, including takeout and eligible delivery services
3×
cash back
Chase Ultimate Rewards
Drugstore purchases
3×
cash back
Chase Ultimate Rewards
Lyft rides
2×
cash back
Chase Ultimate Rewards
On-card benefits & credits
Quarterly DoorDash non-restaurant discount
$10
/Quarterly
After activating the Freedom Flex DashPass benefit, receive up to $10 off one qualifying non-restaurant DoorDash order each calendar quarter through Dec. 31, 2027. The discount does not roll over, and unused value is forfeited.
Auto Rental Collision Damage Waiver
$0
/As needed
Provides reimbursement for eligible rental-vehicle collision or theft, valid loss-of-use charges, administrative fees, and towing. Coverage is generally secondary in the U.S.; use the card for the entire rental and decline the rental company's collision or loss damage waiver.
Cell Phone Protection
$0
/As needed
Covers eligible theft or damage for cell phones listed on the monthly bill when that bill is paid with the Freedom Flex. Coverage is up to $800 per claim and $1,000 per 12-month period, limited to two claims, with a $50 deductible per claim.
Purchase Protection
$0
/As needed
Eligible new purchases are covered against damage or theft for 120 days from purchase, up to $500 per item. For New York residents, the coverage period is 90 days.
Trip Cancellation and Interruption Insurance
$0
/As needed
Reimburses prepaid, nonrefundable passenger fares if a covered trip is canceled or cut short for covered reasons. Coverage is up to $1,500 per covered traveler and $6,000 per trip.
World Elite Mastercard benefits
$0
/Annual
The World Elite Mastercard network provides access to merchant-partner benefits across safety and security, everyday value, and travel and experiences. Specific merchant offers and their values are not detailed in the sources.
Travel and Emergency Assistance Services
$0
/As needed
Provides legal and medical referrals and access to other travel and emergency services while away from home. The cardholder is responsible for the cost of goods or services obtained.
Extended Warranty
$0
/As needed
Extends an eligible manufacturer's U.S. warranty by one additional year when the original warranty is three years or less, up to four years from purchase.
Six months of complimentary DashPass
$0
/One-time
Receive six complimentary months of DashPass for DoorDash and Caviar, with $0 delivery fees and lower service fees on eligible orders. First-time activation must occur by Dec. 31, 2027; afterward, the paid membership renews automatically unless canceled.
