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Chase

Freedom Flex

Annual fee
$0
Network
mastercard
Type
personal

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.

Chase Freedom Flex

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.

01Published
$40

What the issuer advertises.

02Realistic
$0

Pays out with no hoops.

03Yours
Open your wallet

From your real spend and redemptions.

$40 of the advertised value — 100% — comes with strings attached.

Why Perqt says this
  • $40 advertised across 1 benefits.
  • $40 (100%) needs a booking, enrollment, or deadline.
  • Biggest credit — Quarterly DoorDash non-restaurant discount, $40 — only via DoorDash.
Better fit if
  • You book travel through DoorDash.
  • 5× on Travel matches your spend.
Probably not if
  • You book direct, not via DoorDash.

Welcome offer

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 purchases
    1×
    cash back
    Chase Ultimate Rewards
  • Top earn
    Travel
    5×
    cash back
    Chase Ultimate Rewards · Chase Ultimate Rewards · Travel purchased through Chase Travel portal
  • Top earn
    Rotating categories
    On up to $1,500 in combined purchases per quarter, requires quarterly activation
    5×
    cash back
    Chase Ultimate Rewards
  • Dining
    3×
    cash back
    Chase Ultimate Rewards · Includes takeout and eligible delivery services
  • Drugstores
    3×
    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.

  • Extended warranty protection
    $0
    /Annual

    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.

  • Cell phone protection
    $0
    /Annual

    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
    /Annual

    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
    /Annual

    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
    $0
    /Annual

    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.

  • Auto rental coverage
    $0
    /Annual

    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.

  • 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.

Other Chase cards

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