Freedom

NOT OPEN TO APPLICATIONS

Only reachable by changing a card you already hold with this issuer.

Earning Structure

5XGas stations, public transit, & EV charging (July to September 2026) up to $1.5K total spend per quarter. Requires activation.7.5%

5XLyft (through 9/30/2027)7.5%

5XSelect live entertainment (July to September 2026) up to $1.5K total spend per quarter. Requires activation.7.5%

5XUnited Way (July to September 2026) up to $1.5K total spend per quarter. Requires activation.7.5%

1XAll other purchases1.5%

Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.

Credits & Perks (1)

Protections (4)

Trip Cancellation/Interruption — up to $1,500 — Up to $1,500 per covered traveler and $6,000 per trip for non-refundable passenger fares
Purchase Protection — up to $500 — 120 days coverage for theft/damage/involuntary parting, up to $500 per item
Extended Warranty — up to $10,000 — Extends manufacturer's warranty by 1 year (max 3 years original, up to 4 years total). Up to $10,000 per item, $50,000 per account.
Auto Rental Collision Damage Waiver (secondary) — up to $60,000 — Secondary coverage up to $60,000 for theft and collision damage on rental vehicles in the US. Primary outside the US or if you have no personal auto insurance.

Rotating quarterly categories with 5X points on up to $1.5K total spend per quarter (Q1 2026: Norwegian Cruise Line, dining, American Heart Association)
6 months complimentary DashPass - activate by 12/31/27
Points can be combined or transferred to premium Chase cards for better redemption values
3 months complimentary Instacart+ membership