Freedom Flex
ChaseNo annual feeWorld Elite MastercardNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
$250
after $500 in purchases in the first 3 months
5/24 Rule, 24 Month Rule and 4 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus$250 cash | $250 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend; includes a typical year of rotating 5%, if activated each quarter | +$179 |
| DoorDash Grocery/Retail, quarterlyof $40 face value | +$9 |
| Annual fee | $0 |
| Meeting the $500 minimumearns 1% here vs 2% on Double Cash | −$5 |
| First year | $433 |
| Each year after | +$308 |
Not counted in the first year: protections (each year after counts them).
With a Sapphire Preferred: $466 a year
Earning
| Rate | Category | Return |
|---|---|---|
| 3X | Dining | 3% (4.5%) |
| 5X | Travel booked through Chase Travel | 5% (7.5%) |
| 5–7X | Rotating categoriesThis quarter: Grocery stores, Dining, American Red Cross. Up to $1,500 a quarter combined; requires activation. | 5–7% (7.5–10.5%) |
| 3X | Drugstores | 3% (4.5%) |
| 1X | Everything else | 1% (1.5%) |
+ 1 more rate
| Rate | Category | Return |
|---|---|---|
| 2X | Lyftthrough 9/30/2027 | 2% (3%) |
Noteworthy perks
- DoorDash Grocery/Retail, quarterly$40 a year
Personal card · Earns Chase Ultimate Rewards
Where this card ranks
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.
Benefits
Credits & Perks (1)
- DoorDash Grocery/Retail, quarterly coupon: $10 off 1 order (Quarterly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
Quarterly coupon on non-restaurant DoorDash orders with DashPass (activate DashPass with the card by 12/31/29; the coupon continues while you stay enrolled)
Protections (4)
- 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
Other Perks
- Rotating quarterly categories with 5X points on up to $1.5K total spend per quarter
- Complimentary DoorDash DashPass for 6 months (activate by 12/31/29)
- 10% Points Boost: When booking select hotels through Chase Travel, points are worth 10% more when redeemed toward the stay.
The Chase Ultimate Rewards Personal family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to trueOct 11, 2026
- changed from null to Freedom FlexOct 8, 2026
- changed from null to cash_backSep 30, 2026
- changed from $200 (*awarded as 20,000 points) after spending $500 in the first 3 months to $250 (*awarded as 25,000 points) after spending $500 in the first 3 monthsSep 22, 2026
- changed from 3 to 0Sep 20, 2026
- changed from null to 500Aug 13, 2026
- changed from null to 90Aug 13, 2026