Chase Freedom Flex® Credit Card

Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category.

Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.

The Chase Freedom Flex Credit Card has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

• Earn 3% on dining at restaurants, including takeout and eligible delivery services

The Chase Freedom Flex Credit Card fits spenders who put meaningful volume in dining and can earn 3% back. Best for spenders who put meaningful volume in dining and can earn 3% back. The welcome bonus can help if you can meet the spend requirement.

Chase Freedom Flex is the textbook example of rotating categories and activation rules that change real-world value. Madeen shows effective rates with caps and activation in mind so you know when it beats your flat-rate card.

Best for spenders who put meaningful volume in dining and can earn 3% back. The welcome bonus can help if you can meet the spend requirement.

Foreign transaction fees make it weaker for international spend.

Worth keeping for category spend you can activate; use Madeen to see when a simpler card is the safer default.

The Chase Freedom Flex Credit Card has an annual fee of $0 and a foreign transaction fee of $3. New applicants may see: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.. Confirm current issuer terms before applying.

Annual fee

$0

Foreign transaction fee

$3

Signup bonus

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

The Chase Freedom Flex Credit Card includes 24/7 Fraud Monitoring, Auto Rental Collision Damage Waiver, Cell Phone Protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

• 24/7 Fraud Monitoring

  We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.

• Auto Rental Collision Damage Waiver

  Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.

• Cell Phone Protection

  Get up to $800 per claim and $1,000 per year in cell phone protection against covered theft or damage for phones listed on your monthly cell phone bill when you pay it with your eligible credit card. Maximum of 2 claims in a 12 month period with a $50 deductible per claim.

• Credit Journey

  Credit Journey provides you with personalized insights to help you build, monitor and protect your credit health. Access your weekly score for free anytime, and dive into our resources like our score simulator and score factor breakdown to understand where you stand. We'll alert you of any new activity on your credit report and usage, in order to help detect any potential fraud. We're here for you 24/7, 365 days a year if you ever need support, and we'll work together to help you get back on your feet.

• DoorDash

  Get 6 months of complimentary access to DashPass– a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027. Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.

• Extended Warranty Protection

  Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

• Global emergency servicesIncluded with Standard Mastercard

  Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.

• HealthLockIncluded with Standard Mastercard

  Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.

Compare the Chase Freedom Flex Credit Card against Aeroplan Card (4.5% on Dining, $95 fee); AARP (3% on Dining, $0 fee); Chase Freedom Unlimited Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.

• Dining
• Credit Card Reward Caps and Limits: How They Work

• Aeroplan® CardChase · 4.5% on dining
• AARP®Chase · 3% on dining
• Chase Freedom Unlimited® Credit CardChase · 3% on dining
• Chase Sapphire Preferred® Credit CardChase · 3% on dining

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