Chase Freedom Flex℠: Calculator & Cashback Rewards Guide
Fees
Earning Rates
- Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
- Earn 5% cash back on travel purchased through Chase Travel℠.
- Earn 5% cash back on Lyft purchases until March 2025 as part of the Chase-Lyft partnership.
- Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
- Earn Unlimited 1% cash back on all other purchases.
Main Benefits
- Travel and purchase coverage
Our Take
Chase Freedom Flex points calculator
Use this calculator to estimate how much cash back you’ll earn with the Chase Freedom Flex℠ Card. Rotate your 5% bonus categories each quarter and stack rewards with 3% on dining, drugstores, and more — all with no annual fee.
NOTE 1: The Chase Freedom Flex Card features one category called Quarter Rotating Categories that calculates 5% back on up to $1,500 for each quarter. Chase doesn't show all of their categories for the year at once, so there's no way to properly add this to the calculator.
The card has no annual fee and is well worth it, so it shouldn't matter much!
Card Details All links open in new tab (so you will not lose your calculations).
Edit Card Details
Edit Card Name
Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.
Quick Assign
Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.
Currency Codes
Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.
Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.
Currency Name
Add Status / Loyalty
You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.
If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.
NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.
Clear / Remove...
If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.
Card Select
Select the card you will use for this category.
Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.
Credit Cards
Card Details
How to earn Chase Freedom Flex points
The Chase Freedom Flex earns Ultimate Rewards points that can be redeemed for cash back and more. It earns at the following rates:
- 5% cash back on different categories like gas stations, grocery stores (excluding Target® and Walmart®) and select online merchants on up to $1,500 in total combined purchases each quarter you activate.
- 5% cash back on travel purchased through Chase Travel.
- 3% cash back on dining at restaurants, including takeout and eligible delivery services.
- 3% cash back on drugstore purchases.
- 1% cash back on all other purchases.
Chase Freedom Flex points value & calculator
Chase Freedom Flex benefits
Here are the main benefits of the Chase Freedom Flex:
- Travel & Purchase Coverage: Trip Cancellation Insurance, Trip Interruption Insurance, Cell Phone Protection, Auto Rental Collision Damage Waiver, Purchase Protection, and Extended Warranty Protection.
Chase Freedom Flex transfer partners & calculator
Points earned with the Chase Freedom Flex Card cannot be transferred directly to other programs, but you can transfer your points to an eligible Ultimate Rewards credit card that allows you to transfer to Chase's airline and hotel partners.
Eligible cards include:
Chase Freedom Flex Points can be transferred to any of the cards above. You will then be able to convert those points into airline miles and hotel points.
This means that pairing the Chase Freedom Flex with any of these cards will allow you to redeem your points for more than the average value towards travel. You'll be able to easily get 1.25 cents or more per point!
Chase Freedom Flex fees
Annual Fee
The Chase Freedom Flex has a $0 annual fee.
For a card that earns 5% back on solid quarterly categories, you can't go wrong picking this card up. As long as you pay your statement monthly, this is easy cash back.
Authorized User Fee
There is no fee to add authorized users to the Chase Freedom Flex. Adding family and friends can help you earn rewards faster.
Foreign Transaction Fee
The Chase Freedom Flex has a 3% foreign transaction fee. This means that you will be penalized everytime you use this card to make a transaction outside of the United States.
Chase Points Calculators & Guides
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Chase Ultimate Rewards Points Value Calculator
Use our Chase Points Value Calculator to find the average value of Chase points when redeemed for travel, cash back, gift cards, and more. -
Calculator: Chase Points To Miles & Hotel Points
View Chase transfer partners and convert Ultimate Rewards points into airline miles or hotel points using our Chase points converter. -
Calculator: Chase Sapphire Reserve®
Use our Sapphire Reserve points calculator to calculate points per $1 spent, points to dollar value, transfers to partners, and card value. -
Calculator: Chase Sapphire Preferred® Card
Use our Sapphire Preferred points calculator to calculate points per $1 spent, points to dollar value, transfers to partners, and card value. -
Calculator: Ink Business Preferred® Credit Card
Use our Ink points calculator to calculate points per $1 spent, points to dollar value, transfers to partners, and card value. -
Calculator: Chase Freedom Flex® Card
Use our Freedom Flex points calculator to calculate rewards per $1 spent, points to cash value, and card value. -
Calculator: Chase Freedom Unlimited®
Use our Chase Freedom Unlimited points calculator to calculate rewards per $1 spent, points to cash value, and card value. -
Calculator: Ink Business Cash® Credit Card
Use our Ink points calculator to calculate rewards per $1 spent, points to cash value, and overall card value. -
Calculator: Ink Business Unlimited® Credit Card
Use our Ink points calculator to calculate rewards per $1 spent, points to cash value, and overall card value.
