Chase Freedom Flex

Earn a $200 cash back bonus when you open a new account. Spend $500 on purchases within the first 3 months from account opening to qualify. The spending threshold must be met within that 3-month window.

Each quarter, Chase announces new bonus categories — such as gas stations, grocery stores, or streaming services — where you can earn 5% cash back. You must activate the bonus each quarter via the Chase app or website, and the 5% rate applies to the first $1,500 in combined purchases that quarter.

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.

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.

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.

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.

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.

Get up to $10 back as a statement credit each quarter when you use your Freedom Flex on non-restaurant DoorDash orders, such as grocery or convenience deliveries. Credits are worth up to $40 per year total and do not carry over if you don't use them within the quarter.

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.

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.

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.

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.

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.

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.

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.

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.

A 3% foreign transaction fee applies to any purchase made outside the US or charged in a foreign currency. This makes the Freedom Flex a poor choice for international travel or cross-border online shopping.

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.

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.

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.

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.