Chase Freedom Flex Credit Card Review

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The Chase Freedom Flex is a great no-annual fee card with great cash back rewards and great benefits.

You can earn 5% cash back on rotating categories and travel through Chase Ultimate Rewards. Plus 3% cash back at restaurants and at drugstores.

5% Back in Quarterly Categories
Chase Freedom Flex℠
  • Earn $200 Bonus Cash Back After Spending $500 in the First 3 Months
  • 5% Cash Back in Quarterly Bonus Categories (up to $1,500 in combined spending after activation)
  • 5% Cash Back on Travel Purchased Via Chase
  • 3% Cash Back at Restaurants, Eligible Food Delivery, and Drug Stores
  • Cell Phone Insurance and Purchase Protection
  • No Annual Fee

Click Here to Learn How to Apply

Freedom Flex Card Benefits

The Chase Freedom Flex offers a lot of great benefits for a no-annual fee credit card including cell phone insurance, purchase protection, extended warranty, and rental car insurance.

Cell Phone Insurance

Breaking or losing your cell phone is never a pleasant experience, especially when cell phones cost over $800+ to replace.

Luckily, you can avoid paying these steep costs when you pay your cell phone bill with this credit card.

There is no cost for cell phone insurance savings you about $10 per month per phone, but you will have to pay a small deductible if you make a claim. 

Extended Warranty

Credit card extended warranty protection adds up to an additional year of coverage for eligible purchases on manufacturer’s warranties up to 3 years.

Coverage matches the protection provided by the original warranty so that damage or defect would have to be covered by the original warranty for extended warranty coverage.

The maximum coverage is $10,000 per item and $50,000 per cardholder.

For example, if you bought a TV with a manufacturer’s warranty of three years, then this card would extend the warranty for free to the fourth year.

But if the TV comes with a four or five-year warranty, you should consider using an American Express or Citi credit card, which covers warranties up to 5 years.

Purchase Protection

Purchase protection can save you a lot of money if you bought an eligible item that is damaged or stolen within 120-days.

For example, if accidentally dropped your new phone or laptop and broke the screen, you could file a claim to get it replaced if it was purchased within the last 120 days.

Coverage for this benefit is limited to $500 per claim and up to $50,000 per cardholder.

Credit Card Purchase Protection Broken Phone

Secondary Rental Car Insurance

Secondary rental car insurance covers any damage to a rental car not covered by your primary insurance when you pay for the rental using this card.

Other credit cards offer primary rental car insurance, which pays before your insurance and saves you the hassle of filing multiple insurance claims.

But there are situations where this secondary insurance becomes the primary insurance, including when renting a car outside the U.S. and your personal car insurance does not cover you in that country, or if you don’t have collision insurance.

You still need to maintain liability car insurance to cover damage to another person or property.

Rental Car Insurance
Photo: Hertz

Trip Cancellation/Interruption Insurance

When you’re planning a trip, the last thing you want to worry about is whether or not your travel plans will be covered if something goes wrong. That’s where credit card trip cancellation and interruption insurance comes in.

Trip cancellation and interruption insurance reimburse you for non-refundable expenses if your trip is interrupted or canceled for a covered reason such as illness, severe weather, or an accidental injury. 

To be eligible for trip cancellation and interruption insurance, you’ll need to pay for your travel expenses using this card.

Travel is crazy enough without having to worry about being out of pocket if something goes wrong, so I always suggest booking all travel with a card that offers travel protections.

Redeeming Ultimate Rewards Points

You can redeem Ultimate Rewards points with the Chase Freedom Flex card at 1.0 cents per point for travel.

If you pair the Freedom Flex card with the Sapphire Preferred or Ink Preferred, the value of your points jumps to 1.25 cents per point.

But it gets even better if you pair the Freedom Flex card with the Sapphire Reserve, which gives you a 50% bonus and allows you to redeem at 1.5 cents per point.

Plus, if you have any of those three cards, you can transfer your Ultimate Rewards points from your Freedom Flex card to the airline and hotel partners below.

If you don’t have one of those cards, you are stuck redeeming points at 1.0 cents per point.

Chase Ultimate Rewards Transfer Partners [1 to 1]
Aer Lingus Aer Lingus Air Canada Air Canada Aeroplan
British Airways British Airways Emirates logo Emirates
Air France Air France/KLM World of Hyatt Hyatt Hotels
Iberia logo Iberia IHG Hotels IHG Hotels
JetBlue JetBlue Marriott Hotels Marriott
Singapore Airlines Singapore Southwest Airlines Southwest
United Airlines logo United Virgin Atlantic logo Virgin Atlantic
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