Chase Freedom Flex Credit Card Review: Full Details
Chase Freedom Flex Overview
the Chasing Flex® Freedom is one of the best Cash back credit card around, thanks to phenomenal earnings ratios across a variety of spending categories, all without worrying about annual fees. Plus, the card becomes even more valuable when you also have it that earns transferable Chase Ultimate Rewards points. Card Rating*: ⭐⭐⭐½
*Card rating based on the opinions of the TPG editorial board and not influenced by the card issuer.
When it comes to travel rewards cardit’s easy to focus on high-end products with premium privileges such as Airport lounge access And airline companion tickets – although those tend to come with high annual fees.
However, there are quite a few excellent works annual fee free card that may be the better choice for some people and sits at the top of that list Chasing freedom Flex.
Even though it looks the same Refund cardif you have another Chase card Earn transferable money Ultimate reward point, you can Combination rewards from your Freedom Flex with those from your other accounts and they can be transferred to Chase’s airline and hotel partners. With the Chase Freedom Flex’s high earning rates across a variety of purchase categories, it makes the card a potentially powerful tool in any traveler’s wallet.
On top of that, the card also has valuable earning categories and benefits you wouldn’t normally expect from a no-annual-fee credit card.
For the best chance of approval, you’ll want to have one credit score between 670 and 850. If you’re out there and considering adding Freedom Unlimited, here’s a breakdown to help you decide if it’s right for you.
Pros and cons of Chase Freedom Flex
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Chase Freedom Flex welcome offer
Now, new Flex Freedom applicants can earn $200 after spending $500 in the first three months of opening the account.
And if you also have a Chase Ultimate Rewards card, for example Chase Sapphire Preferred® Card or Reserve Chase Sapphire®That $200 can become 20,000 transferable points—worth $410, according to TPG’s January 2025 valuation.
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Although this isn’t as impressive as some of the above welcome offers Our favorite travel rewards cardit’s pretty standard for a cashback card. However, this is not necessarily the case Best deal we’ve seen on Freedom Flexso you might want to wait for a better offer before signing up.
Related: The best credit card welcome bonuses this month
Benefits of Chase Freedom Flex
We typically don’t expect much in the way of perks and benefits beyond the earning structure of a no-annual-fee card. However, Flex Freedom offers several additional benefits to cardholders.
Protect your cell phone
Unlike most Chase credit cards, the Chase Freedom Flex is a Mastercard. Actually, it’s one World’s elite Mastercardwhich means you’ll have access to a solid cell phone protection plan. You’re covered for $800 per theft or damage claim, with a maximum of two claims and a total of $1,000 over a 12-month period (although you may have to pay $50 deductible). Note that to receive this coverage, you must pay your monthly phone bill with this card.
Shopping protection
You’ll have two additional protections when you use your Freedom Flex card to make purchases. First, you will have access to Extended warranty protection. This benefit applies to US manufacturer warranties of three years or less and will add one year to the existing warranty period.
You will also have access to Purchase protectionProtects your new purchases against damage or theft for up to 120 days from purchase date. This coverage applies up to the cost of the item or up to $500 per claim and up to $50,000 per account.
Food delivery offers
Be part of Chase’s partnership with DoorDashCardholders get three months of DashPass for free, which gets you free shipping on qualifying orders and reduced service fees.
I know I’ve personally saved quite a bit of money by using my Chase credit card’s free DashPass access (though I get mine through the Chase Sapphire Reserve, not the Freedom Flex).
After your three months of free access have ended, you will still enjoy a 50% discount for nine months of access. Cardholders must register for this benefit before January 31, 2025.
Trip cancellation and trip interruption insurance
The card also comes with trip protection. For prepaid, non-refundable fares booked with Chase Freedom Flex, you’re covered for $1,500 per person or $6,000 per trip if it’s canceled for covered reasons. You can also take advantage of car rental collision damage exemption benefits. If you decline the rental company’s coverage, this benefit may protect you against theft and collision damage, although this is secondary coverage.
Related: Why I got the Chase Freedom Flex and how I got the maximum cash back this quarter
Earn rewards on Chase Freedom Flex
the Flex Freedom There are plenty of earning opportunities across the top spending categories, making it an attractive choice for both newbies looking for their first rewards credit card and professionals looking to round out their wallets. .
Here’s how you’ll earn points with Freedom Flex:
That’s an impressive range of earning categories for any card, especially for cards Credit card with no annual fee. While experts can prefer to book paid trips directly (especially when booking hotels), beginners can get a lot of mileage out of a card that earns 5% when booking travel through Chase’s platform.
A TPG reader can pair the Freedom Flex with a Chase Ultimate Rewards earning card and turn cash back into points. They wrote about using the card to earn rewards in popular rewards categories without paying an annual fee:
“Freedom Flex offers 3 points* per dollar on dining and no annual fee.” — Naveen K via Facebook
*Freedom Flex earn 3% cash back on restaurant dining, including eligible takeout and delivery.
Note: Responses submitted by readers have not been edited, reviewed or approved by the publisher and do not reflect TPG’s views on these tags.
Rotating categories change each quarter and require prior activation. Categories we see frequently include Walmart, gas stations, and purchases with PayPal.
Redeem rewards on Chase Freedom Flex
Alone, Flex Freedom Works like a cashback card. Redeem your rewards for cash back is the simplest redemption option: You’ll get one cent per point, and you can redeem your rewards for statement credits or request a check to cash out face.
However, you can also use your rewards to book travel through Chase Travel℠redeem for gift cards or pay in person with gift cards at select retailers.
Related: How to redeem cashback rewards from your credit card
Transfer rewards on Chase Freedom Flex
Alone, Flex Freedom does not allow you to transfer your rewards to a transfer partner. However, if you also hold one Chase Sapphire preferred, Chase Sapphire Sanctuary or Ink Business Preferred® Credit Cardyou can pool your points into a Chase Ultimate Rewards account and transfer them Chase has a full line of hotel and airline partners. These include valuable options such as United Airlines MileagePlus, KrisFlyer of Singapore Airlines And World of Hyatt.
I especially like pairing my Freedom Flex with Chase Sapphire Sanctuary to get great value from my points by transferring them over Southwest Airlines Fast Rewards and World of Hyatt.
No matter your travel goals, you’ll unlock tremendous value if you can take advantage of transfer partners to redeem your Freedom Flex rewards.
Related: How to redeem Chase Ultimate Rewards points for maximum value
What cards compete with the Chase Freedom Flex?
the Flex Freedom is a solid cashback option, but it’s not a great choice for everyone. If you want more consistent cash back rewards, consider one of these cards:
For more options, see our full list of best cash back credit cards.
Related: Chase Freedom Flex vs. Chase Freedom Unlimited
Is the Chase Freedom Flex worth it?
Since Flex Freedom There’s no annual fee to worry about justifying, there’s no harm in adding it to your wallet. However, it will be included Chasing 24/5 counts, so make sure you’ll benefit enough from Freedom Flex to use one of these points before getting it.
Related: The best ways to use your Chase 5/24 slot
Bottom line
the Chasing freedom Flex is a solid cash back card that offers an impressive rewards structure and a valuable sign-up bonus—especially considering this is a Credit card with no annual fee.
This card offers a lot of value for both beginners and experts, and you should definitely take a closer look at the Freedom Flex as a viable addition to your wallet.
And once you have the card, make sure Activate rotating categories every quarter.
Register here: Chasing freedom Flex
