FREEDOM FLEX®
LEVEL-UP YOUR CASH BACK GAME
EARN CASH BACK
5% ON CHASE TRAVEL
Earn big when you book, then feel smart throughout your trip as you earn toward the next one.
3% ON DINING, IN OR OUT
No matter your preference, you'll earn cash back at restaurants and with eligible delivery services.
3% IN DRUGSTORES
You might still have to stand in line, but just put in your earphones and think about your cash back.
1% ON ALL OTHER PURCHASES
Earn on every purchase, every day. Plus earn 5% total in quarterly rotating bonus categories.
ACTIVATE THIS QUARTER’S BONUS CATEGORIES
Activate now and earn 5% cash back from July 1, 2026 through September 30, 2026 on up to $1,500 in combined purchases in this quarter's categories. Activate by September 14, 2026. You are only required to activate once in the quarter.
Gas Stations
Public Transit
EV Charging
Select Live Entertainment
United Way®
Get 5% cash back on Gas Stations
What you need to know about this category
Merchants in this category sell automotive gasoline that can be paid for either at the pump or inside the station, and may or may not sell other goods or services at their location. Merchants that do not specialize in selling automotive gasoline are not included in this category; for example, truck stops, boat marinas, oil and propane distributors, and home heating companies.
Get 5% cash back on Public Transit
What you need to know about this category
Merchants in this category include operators of passenger trains, buses, ferries, toll bridges and highways, and parking lots and garages. Merchants that provide transportation and related services are not included in this category, for example, airlines, hotels, car rental agencies, cruise lines, travel agencies, discount travel sites, vacation clubs, tour operators, bike or scooter rentals and car sharing. Taxis, Limousines, and rideshares such as Lyft or Uber are not included in this category.
Get 5% cash back on EV Charging
What you need to know about this category
Merchants in this category sell electric vehicle charging services that can be paid at the charging station, via mobile app, account/subscription or an attendant, and the merchants may or may not sell other goods or services at their location. Merchants must use the electric vehicle charging MCC for transaction to be rewarded against. If electric vehicle charging services are offered for free by a merchant or are included in their services, but other services/goods require payment, the transactions will not be rewarded against. In the event, parking facility merchants, such as valet parking, airport parking, and parking garages, charge to the MCC that results in the highest sales volume, the transaction will not be rewarded against.
Residential electric vehicle charging is not included in this category. Electric vehicle charging equipment purchases and servicing for any use, including residential or commercial, are not included in this category.
Get 5% cash back on Select Live Entertainment
What you need to know about this category
Merchants in this category sell tickets for live in-person entertainment such as major sporting events, zoos and aquariums, concerts, theatrical productions, museums, tourist attractions and exhibits, amusement parks, circuses, carnivals, bands, and entertainers. Ticket agencies selling on behalf of the entertainment venue are included. Some merchants that sell tickets for in-person entertainment are not included in this category; for example, movie theaters, bowling alleys, horse racing tracks, casinos, and dance hall/clubs. Purchasing from a hotel/concierge is not included nor excursions or purchases as part of a travel package.
Get 5% cash back on United Way®
What you need to know about this category
To ensure your charitable donation is eligible for the 5% Cash Back reward, be sure to donate directly through United Way's official channels using the links provided here or on the Merchant List page. Local chapters may not be eligible due to transaction processing procedures.
HERE’S HOW BONUS CATEGORIES WORK
ACTIVATE
Activate your bonus earnings every quarter—online, in the app, over the phone, in person, or by email. Worried you might forget? Sign up for alerts and we’ll remind you.
EARN
You’ll earn 5% cash back in the bonus categories, up to a total of $1,500 in combined purchases. After that, you’ll still earn 1% cash back on all purchases.
ENJOY
Visit Chase Ultimate Rewards® to see your earnings broken out by category and redeem. If you activate after the quarter starts, your rewards will be applied retroactively. So simple.
JUST A FEW MORE INCREDIBLY GREAT THINGS ABOUT THIS CARD
Rewards don’t expire
Redeem right away or take as long as you like. Save up for a big purchase, plan a trip, or use your rewards for a statement credit toward your balance.
Cell Phone Protection
Cell Phone Protection will cover eligible losses incurred through 09/19/26 and will be discontinued 09/20/26.
World Elite Mastercard® Benefits
Enjoy exclusive benefits from merchant partners like Lyft, Instacart, Peacock, and more across safety & security, everyday value, and travel & experiences.
Fraud alerts
We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
Extended Warranty Protection
Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
Trip Cancellation and Interruption Insurance
You can be reimbursed up to $1,500 per covered traveler 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 or other covered situations.
DON'T HAVE A FREEDOM CARD?
Find the Chase Freedom card that's right for your cashbacking style.
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