Chase Freedom Flex Credit Card Review: Full Details

The Chase Freedom Flex® is one of the best Cash back credit card all around thanks to its exceptional earning rates across a variety of spending categories, all without worrying about an annual fee. Plus, the card becomes even more valuable when you also have the transferable Chase Ultimate Rewards card. Card Rating*: ⭐⭐⭐½

*Card ratings are based on the opinions of TPG editorial staff and are not influenced by card issuers.

When it comes travel rewards cardit’s easy to focus on advance product with premium privileges such as Airport lounge access And companion flight ticket – although those tend to come with high annual fees.

However, there are quite a few excellent works. The card has no annual fee that might be the better option for some people and at the top of that list it is Chase Freedom Flex.

Although it appears to be a Refund cardif you have another Chase card earn transferable income 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, that 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.

Currently, 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, like the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®, that $200 could turn into 20,000 transferable points—worth $410, according to TPG’s June 2024 report. valuation.

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While this isn’t as impressive as some of the welcome offers on Our favorite travel rewards card, which is pretty standard for a cashback card. However, this is still not quite the case Best deal we’ve ever seen on Freedom Flexso you may want to wait for a better offer before signing up.

Related: These Are the Best Credit Card Welcome Bonuses This Month

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 a number of 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 Mastercardmeans you will have access to a piece of hardware mobile 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 protectionCovers your new purchases against damage or theft for up to 120 days from the date of purchase. This coverage applies up to the price of the item or up to $500 per claim and up to $50,000 per account.

Food delivery offers

As part of Chase’s Partnership with DoorDashCardholders get three months of free DashPass, free shipping on qualifying orders, and reduced service fees.

I know I’ve personally saved quite a bit using my Chase credit card’s free DashPass access (though I access it through the Sapphire Reserve, not the Freedom Flex).

After your three months of free access ends, you’ll still enjoy nine months of discounted access at a 50% discount. Card holders must register to enjoy this benefit before December 31, 2024.

Trip cancellation and interruption insurance

The card also comes with trip protection. For prepaid, non-refundable fares booked with the 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 waiver. 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 bought the Chase Freedom Flex and how I got the maximum cash back this quarter

The Flex Freedom There are plenty of earning opportunities across top spending categories, making it an attractive option for both newbies looking for their first rewards credit card and professionals looking to round out their wallets.

Here’s how you earn points with Freedom Flex:

That’s an impressive list of earning categories for any card, especially one that Credit card with no annual fee. While experts can prefer to book paid trips directly (especially when it comes to hotel bookings), beginners can get a lot of bang for their buck with a card that earns 5% back when booking travel through Chase’s platform, powered by Expedia.

Rotating categories change each quarter and require prior activation. Categories we see frequently include Walmart, gas stations, and purchases with PayPal.

Related: The easiest time of year to earn 5 points per dollar spent

Alone, Flex Freedom works like a cash back card. Redeeming your rewards for cash back is the simplest redemption option: you’ll get one cent for each point, and you can redeem your rewards for a statement credit or request a check to cash.

However, you can also use your rewards to book travel through Chase Travelredeem for gift cards or pay in person with gift cards at select retailers.

Related: How to redeem cashback rewards from your credit card

Alone, Flex Freedom does not allow you to transfer your rewards to transfer partners. However, if you also hold Chase Sapphire Preferred, Chase Sapphire Reserve or Ink Business Preferred® Credit CardYou can pool your points into one Chase Ultimate Rewards account and transfer them to Chase has a full range 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 Reserve to get great value from my points by transferring them over Southwest Airlines Rapid 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

The Flex Freedom is a solid refund option, but not an easy choice for everyone. If you want more consistent cash back rewards, consider one of these cards:

For more options, check out our full list of best cash back credit cards.

Related: Chase Freedom Flex vs. Chase Freedom Unlimited

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 5/24 chase count, so make sure you’ll benefit enough from Freedom Flex to use one of these points before purchasing it.

Related: The Best Ways to Use Your Chase 5/24 Slots

The Chase 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 no annual fee credit card.

Both beginners and experts can get a lot of value out of this card, and the Freedom Flex is definitely worth considering adding to your wallet.

And once you have your card, make sure Activate rotating portfolios every quarter.

Register here: Chase Freedom Flex