Chase Freedom Flex Benefits, Credits & Annual Fee

• $250 cash back bonus

  $500 First 3 months from account opening This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. Chase Freedom Flex credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

  Checked Oct 14, 2026Source

• DoorDash Quarterly Credit for Non-Restaurant Orders$10 / qtrTrackableEnrollment required

  Once you have activated your Chase Freedom Flex DashPass membership, receive a $10 off discount each calendar quarter at checkout on one qualifying non-restaurant DoorDash order while enrolled in DashPass. Discount applies to subtotal only; unused value does not roll over.

  Resets: QuarterlyChecked Sep 27, 2026

Travel Benefits

• Chase Travel Rewards Redemption

  Use your rewards toward travel booked through Chase Travel. Browse travel options in the Chase Travel portal and choose an available way to pay at checkout. Booking and payment choices depend on the travel option you select.

  Checked Sep 27, 2026

Rental Car

• Auto Rental Collision Damage Waiver

  When you pay for a rental car with your Freedom Flex and decline the rental company's collision coverage, you receive protection against theft and collision damage. Coverage is secondary in the US (your personal auto insurance pays first) and primary outside the US.

  Checked Sep 27, 2026

Travel Insurance

• Travel and Emergency Assistance

  When you're traveling away from home, you can call to get referrals to legal and medical services and other emergency assistance. The benefit connects you to help but does not pay for the goods or services you receive.

  Checked Oct 7, 2026
• Trip Cancellation and Interruption Insurance

  If your trip is canceled or cut short by sickness, severe weather, or another covered reason, you can get reimbursed for non-refundable, pre-paid fares. Coverage is up to $1,500 per covered traveler and $6,000 per trip. Charge your travel to the card to be eligible.

  Checked Sep 26, 2026

Bonus Earnings

• 5% Cash Back on Rotating Categories5%Enrollment required

  Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. After $1,500, earn 1% on those purchases. You must activate your 5% Bonus Cash Back each quarter by the activation deadline.

  Checked Sep 14, 2026
• 5% Cash Back on Travel Booked Through Chase Travel5%

  Earn 5% cash back on flights, hotels, and rental cars booked through the Chase Travel portal using your Freedom Flex. Travel purchased directly from airlines, hotels, or other booking sites earns at the standard 1% rate instead.

  Checked Oct 1, 2026
• 3x Earning at Restaurants3% / yr

  Earn 3% cash back on restaurant spending all year, with no cap on how much you can earn. This covers dine-in meals, takeout orders, and eligible food delivery services.

  Checked Sep 26, 2026
• 3x Earning at Drugstores3% / yr

  Earn 3% cash back on drugstore purchases year-round with no spending cap. This applies to chains like CVS and Walgreens whenever you pay with your Freedom Flex.

  Checked Sep 26, 2026
• 2% Cash Back on Lyft Rides2%

  Earn 2% cash back on Lyft rides paid with your card - that's 1% on top of the 1% you already earn on all purchases. This bonus rate is available through September 30, 2027.

  Checked Sep 27, 2026
• 1% Cash Back on All Other Purchases1%

  Earn 1% cash back on every purchase that doesn't fall into a higher bonus category. This baseline rate applies automatically with no caps or category restrictions.

  Checked Sep 26, 2026

Purchase Protection

• Zero Liability Protection

  You won't be held responsible for unauthorized charges made with your card or account information. Report suspicious activity to Chase promptly so the protection can be applied to disputed transactions.

  Checked May 22, 2026
• Cell Phone Protection$900 / yr

  Pay your monthly cell phone bill with your card and get coverage against theft or damage for phones listed on that bill. Each claim pays up to $800, with a $50 deductible, and you can file a maximum of 2 claims per 12-month period, up to $1,000 total.

  Checked May 22, 2026
• Damage and Theft Purchase Protection

  New purchases charged to your card are covered against damage or theft for 120 days from the purchase date. Coverage is capped at $500 per item, so keep your receipt and card statement handy if you need to file a claim.

  Checked Oct 7, 2026
• Extended Warranty Protection

  Get one extra year added to a manufacturer's U.S. warranty when you pay with your card. Only warranties of three years or less are eligible, and total coverage cannot exceed four years from the purchase date.

  Checked Sep 27, 2026

Concierge & Membership

• DoorDash DashPass MembershipEnrollment required

  Activate 6 months of complimentary DashPass through the DoorDash app using your Freedom Flex card. DashPass waives delivery fees and lowers service fees on eligible orders. The free period starts on the date you activate, so be sure to do so before the offer window closes.

  Checked Sep 26, 2026

Fees & Miscellaneous

• 0% Intro APR on Purchases and Balance Transfers

  Pay 0% interest on purchases and balance transfers for the first 15 months from account opening. After the intro period ends, the card's standard variable APR applies. Balance transfers made after the intro window do not qualify for the 0% rate.

  Checked May 22, 2026
• Refer a Friend Cash Back$500 / yr

  Earn $50 cash back for each friend you refer who is approved for a participating Chase Freedom card. You can earn up to $500 in referral cash back per calendar year. Use your unique referral link to share the offer.

  Checked Oct 3, 2026
• Shop with Points at Amazon

  Use cash back rewards to pay for all or part of eligible Amazon.com orders, including tax and shipping. Link your Freedom Flex card to your Amazon.com account, then select rewards at checkout. The order must qualify for Shop with Points.

  Checked Sep 27, 2026
• 24/7 Fraud Monitoring

  Chase monitors your account around the clock for unusual or suspicious purchases. If something looks off, you'll get an alert by text, email, or phone so you can confirm or dispute the charge quickly.

  Checked May 22, 2026
• Authorized User No Annual Fee

  You can add authorized users to your Freedom Flex account at no charge. There is no annual fee for each additional cardholder you add to the account.

  Checked May 22, 2026
• Cash Back Statement Credit or Deposit Redemption

  Turn your rewards points into cash through a statement credit or electronic deposit. Choose your preferred option when redeeming points through Chase. Electronic deposits must go to an eligible Chase account located in the United States.

  Checked Sep 27, 2026
• Chase Credit Journey - Free Credit Score Monitoring

  Chase Credit Journey gives you free access to your current credit score plus real-time alerts when notable changes appear on your credit report. You can check it anytime in the Chase app or online, with no hard inquiry on your credit.

  Checked May 22, 2026
• Chase Offers

  Chase Offers provides targeted cash back deals for eligible Chase credit card customers. Check the Chase Mobile app for offers available to your card and follow each offer’s instructions. Offers vary by customer and have their own terms.

  Checked Sep 27, 2026
• Gift Card Rewards Redemption

  Redeem your rewards for gift cards or certificates for shopping, dining, entertainment, and other categories. Browse available options through Chase rewards and select the gift card you want. Available brands and redemption options can vary.

  Checked Sep 27, 2026
• No Annual Fee

  The Chase Freedom Flex card has a $0 annual fee.

  Checked Sep 14, 2026
• No Foreign Transaction Fees0% / yr

  Pay no foreign transaction fees on purchases made outside the U.S. Use your card abroad or with international merchants without incurring the typical 3% surcharge added by many other cards.

  Checked Sep 23, 2026