Freedom Flex

Sign-up Bonus

$200 (*awarded as 20,000 points) after spending $500 in the first 3 months

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%

5XTravel booked through Chase Travel7.5%

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

3XDining4.5%

3XDrugstores4.5%

1XAll other purchases1.5%

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

What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.

Credits & Perks (1)

DoorDash Grocery/Retail (non-restaurant): $10 (Quarterly)
Quarterly credit on non-restaurant DoorDash orders with DashPass (activation required, through 12/31/27)

Protections (5)

Trip Cancellation/Interruption — up to $1,500 — Up to $1,500 per person, $6,000 per trip for pre-paid, non-refundable travel expenses
Purchase Protection — up to $500 — 120 days coverage for theft/damage up to $500 per claim, $50,000 per account
Extended Warranty — up to $10,000 — Extends manufacturer's warranty by 1 year (max 3 years original, up to 4 years total)
Auto Rental Collision Damage Waiver (secondary) — up to $60,000 — Secondary coverage up to $60,000 for theft and collision damage on rental vehicles
Cell Phone Protection — up to $800 — Up to $800 per claim when you pay your monthly cell phone bill with this card. $50 deductible per claim. Max 2 claims per 12-month period, $1,000 max per 12-month period.

Rotating quarterly categories with 5X points on up to $1.5K total spend per quarter
Complimentary DoorDash DashPass for 6 months (activate by 12/31/27)