Chase Freedom Flex benefits guide
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The Chase Freedom Flex℠ is a top cash back card that offers high rewards rates in rotating bonus categories along with a balance of everyday bonus categories. With no annual fee, a lengthy intro APR offer and a decent sign-up bonus, the Freedom Flex could be the perfect cash back card for some spenders.
While its earning potential is attractive, what makes the Freedom Flex a true home run is the suite of extra benefits attached to the card. Keep reading to learn more about the benefits available for Freedom Flex cardholders.
Chase Freedom Flex travel benefits
While Chase Freedom Flex isn’t a travel rewards card, it does provide a few travel protections for its cardholders.
Auto rental collision damage waiver
If you rent a car while traveling and use your Freedom Flex to pay for purchases, the card provides secondary auto rental coverage for most rental cars in the U.S. and abroad. You must decline the rental company’s collision insurance to receive coverage.
Trip cancellation and interruption insurance
Nonrefundable travel generally costs less than refundable options but can leave you out considerable money if your trip is canceled or disrupted due to sickness, weather or other hardships. With Freedom Flex, you’re eligible for reimbursement of up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable fares for covered events.
Travel and emergency assistance services
Emergencies can occur anytime, including when you’re away from home. The Freedom Flex comes with travel and emergency assistance via phone support. A benefits administrator will provide medical and legal referrals and other assistance if you find yourself in need. Cardholders are financially responsible for goods or services obtained through the service.
Chase Freedom Flex purchase protections
Pay your cellphone bill with your Freedom Flex card and receive cellphone protection of up to $800 per claim and $1,000 annually. The service protects against covered theft or damage for any phone listed on your monthly cellphone bill. There is a $50 deductible per claim and a maximum of two claims within a 12-month period.
With the Freedom Flex, all new purchases are protected against damage or theft for up to $500 per claim and $50,000 total per account.
Extended warranty protection
Card purchases that feature a U.S. manufacturer’s warranty of three years or less receive an additional year of warranty protection through Chase.
24/7 fraud monitoring
Chase monitors your Freedom Flex card to protect you from fraudulent activity. You can choose to receive alerts via text, email or phone calls if they spot unusual activity.
Freedom Flex cardholders can check their credit score and credit health through Credit Journey, Chase’s credit monitoring service. The service provides weekly credit scores and access to several resources to help you build your credit. Credit Journey also sends alerts if it detects potential fraud.
Chase Freedom Flex Mastercard benefits
As part of the World Elite Mastercard family of cards, Freedom Flex has several valuable benefits specifically for Mastercard cardholders.
You can earn a $5 Lyft credit by taking three Lyft rides within one calendar month and paying with your Freedom Flex card. The card also earns 5 percent cash back on Lyft rides through March 2025.
The Freedom Flex card also comes with a complimentary one-year membership to ShopRunner, an online service that features free two-day shipping and free returns at hundreds of popular online retailers.
Movie fans with the Freedom Flex card can receive a $5 Fandango reward after spending $20 at Fandango or on Fandango’s streaming service.
Cardholders also enjoy a complimentary three months of DashPass, DoorDash’s membership program. DashPass offers unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders. You must activate by Dec. 31, 2024, to receive this benefit.
Maximizing the Chase Freedom Flex
Like most rewards credit cards, your Chase Freedom Flex only becomes more valuable if its benefits add value to your existing spending habits,.
Whether or not the Chase Freedom Flex deserves a spot in your cash back strategy, of course, also depends on the card’s ongoing rewards structure, intro APR offers and welcome bonus. Take the time to read through our Chase Freedom Flex review for specific information on these card details.
The bottom line
The Chase Freedom Flex not only stands out among cash back cards, but it’s loaded with valuable perks for the right individual. Before you make the decision to apply, consider our list of the best cash back credit cards — you never know if another option might pique your interest.