Cash back · Mastercard · No annual fee
Last verified 2026-09-09. Review issuer source
The Freedom Flex is the Freedom Unlimited with rotating 5% categories bolted on and a 1% base rate instead of 1.5%. The 5% applies to up to $1,500 a quarter in categories Chase announces each quarter, and you have to activate. Done every quarter, that is up to $300 a year in cash back on top of 3% at restaurants and drugstores.
If you will forget to activate, or the categories rarely match how you spend, the Unlimited earns more with less effort. Hold it alongside a Sapphire card and the cash back becomes transferable points, the same trick as its sibling. Like the Unlimited, it charges 3% abroad.
Cap: $1,500 per quarterly
Get 5% cash back on Gas Station and EV Charging
Cap: $1,500 per quarterly
Get 5% cash back on select live entertainment
Cap: $1,500 per quarterly
Get 5% cash back on Public Transit
Cap: $1,500 per quarterly
Get 5% cash back on donations to United Way®
Earn 5% on travel purchased through Chase Ultimate Rewards.
Earn 3% on dining at restaurants, including takeout and eligible delivery services
Earn 3% on drugstore purchases
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
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.
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.
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 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.
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.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.
Means you won't be held responsible for unauthorized charges made with your card or account information.
These come from Mastercard, not from Chase. Every card on the Standard Mastercard tier carries them, so they should not decide between two cards.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Chase Freedom Flex® Credit CardThis card · 5% on gas stations | None | $582 | +$582 | 13th of 1,291 |
| Chase Freedom Unlimited® Credit CardA 1.5% base with nothing to activate · 3% on dining | None | $528 | +$528 | 276th of 1,291 |
| Discover it® Cash BackThe other rotating 5% card, with a first-year Cashback Match · 5% on drugstores | None | $462 | +$462 | 300th of 1,291 |
| Citi Double Cash®A flat 2% with no activation · 2% on everything | None | $492 | +$492 | 282nd of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
