【October 3, 2026 update】 This original Freedom is no longer available to apply for. Compared with the new Freedom Flex, its only advantage is that it is a Visa; its everyday earning and benefits both fall short of the CFF. After the recent CFF refresh, which removed the foreign transaction fee, I converted this card to the new CFF.

Highlights

  • No annual fee
  • After quarterly activation, earn 5% on the first $1,500 in combined spending in selected categories
  • Spending earns flexible, high-value Ultimate Rewards points

Who it suits: This card is for people who still hold this grandfathered legacy card, activate the quarterly categories, and use the first $1,500 at 5%. There is no annual fee, but the 3% foreign transaction fee and inability to apply make it less useful for overseas spending or anyone who needs a new application.

Chase Freedom Credit Card

Issuer: Chase
Network: Visa
Card type: Credit card
Annual fee: $0 for the primary card
Foreign transaction fee: 3%

Rewards are Chase Ultimate Rewards points, a flexible currency with strong value.

Welcome offer

This card is grandfathered: a discontinued legacy card that is no longer available to apply for.

Everyday spending

5x: the first $1,500 in combined eligible spending in quarterly bonus categories after activation. Spending above $1,500 returns to 1%, with no cap.

1x: all other eligible purchases, as well as spending above the $1,500 quarterly bonus-category cap. Merchant categories are assigned by the merchant or its payment processor under Visa/Mastercard rules; even if a purchase appears to fit a category, it will not receive the category bonus if its merchant category does not match. Transactions submitted through third-party payment accounts, mobile card readers, or digital wallets also do not receive the category bonus if they are not processed in that category.

10x: Paze purchases, through December 31, 2026.

2x: Lyft purchases, through September 30, 2027.

Benefits and protections

  • Complimentary 6 months of DashPass

Activate for the first time between February 1, 2025 and December 31, 2027 to receive six months of complimentary DashPass across DoorDash and Caviar. After the free period, it renews automatically at the then-current monthly fee unless you cancel. Once activated, while you remain a DashPass member, you can receive $10 off one eligible non-restaurant DoorDash order each calendar quarter; unused value does not carry over. This benefit is available only in the United States, and checkout must use the Chase Freedom Flex enrolled for the benefit.

  • 2% Cash Back Offer on Lyft Purchases

Buy eligible products and services through the Lyft app to earn 2% total through September 30, 2027: the 1% base rate plus 1%. Gift cards, car rentals, vehicle service centres, miscellaneous fees, and certain other Lyft products do not qualify.

  • Roadside Assistance

This is a per-use paid service available in both the United States and Canada, with no membership fee or advance enrolment required. Services include standard towing up to 5 miles; changing a tire when you provide a usable spare; a jump start or towing an electric vehicle to the nearest charging station; lockout service without replacement keys; delivery of up to 5 gallons of fuel excluding the cost of fuel; and standard winching when the vehicle is within 100 feet of a paved road or highway. You will be told the standard service fee when you call; service beyond these limits and other circumstances cost extra.

Travel protections

Official benefits guide 🔗

  • Auto Rental Coverage

Coverage applies when you use this card and/or redeem rewards to pay the full rental cost, rent as the primary renter, and decline the rental company’s CDW/LDW. Worldwide coverage is up to $60,000 for theft or collision damage, loss-of-use confirmed by the rental company, administrative fees, and reasonable towing, for rentals of up to 31 consecutive days. In the United States, where other auto insurance exists, this is secondary coverage but can cover the other insurer’s deductible; outside the United States, it is primary where available. Bodily injury, third-party liability, personal belongings, diminution in value, expensive or exotic vehicles, and rentals longer than 31 days are excluded. Report an accident or theft as soon as possible and no later than 100 days after it occurs; submit documents within 365 days.

  • Trip Cancellation Insurance

Pay all or part of a trip with this card and/or redeem rewards, and coverage is available for the cardmember and qualifying immediate family members. Cancellation is covered up to $1,500 per covered traveller and $6,000 for all covered travellers on a trip, no more than the amount actually paid with the card or rewards. It covers prepaid, non-refundable common-carrier expenses caused by covered reasons; this is secondary coverage. Death, accidental injury or illness, severe weather, specified storm warnings, certain strikes, and military orders may be covered reasons. A simple change of plans, pre-existing conditions, pandemic-related border closures or airline changes, and trips booked for medical treatment are excluded. File a claim within 20 days of cancellation and submit documents within 90 days.

  • Trip Interruption Insurance

Pay all or part of a trip with this card and/or redeem rewards, and coverage is available for the cardmember and qualifying immediate family members. Interruption is covered up to $1,500 per covered traveller and $6,000 for all covered travellers on a trip, no more than the amount actually paid with the card or rewards. It covers prepaid, non-refundable common-carrier expenses caused by covered reasons; trips may last up to 60 days, and this is secondary coverage. Death, accidental injury or illness, severe weather, specified storm warnings, certain strikes, and military orders may be covered reasons. A simple change of plans, pre-existing conditions, pandemic-related border closures or airline changes, and trips booked for medical treatment are excluded. File a claim within 20 days of interruption and submit documents within 90 days.

  • Travel and Emergency Assistance

When travelling away from home, you can receive 24/7 referrals or arrangements for medical, legal, emergency transportation, emergency messages, ticket replacement, baggage tracing, translation, prescription and important-document delivery, and pre-trip information. This service is not insurance; you are responsible for the cost of medical, legal, transportation, cash advances, goods, and other actual services.

Shopping protections

  • Purchase Protection

For eligible new purchases paid fully or partly with this card and/or redeemed rewards, coverage against theft, damage, or accidental loss lasts 120 days from purchase (90 days for New York residents). It covers up to $500 per item and $50,000 per account and is secondary coverage. File a claim within 90 days of loss and submit documents within 120 days. Normal wear and tear, unexplained loss, used items, perishable or consumable goods, software, motor vehicles, and items for resale or business use are excluded.

  • Extended Warranty Protection

For eligible items paid fully or partly with this card and/or redeemed rewards, this benefit adds one year to an original U.S. repair warranty of three years or less. The original manufacturer warranty, store warranty, separately purchased service contract, and this benefit can total no more than four years. Coverage is up to $10,000 per item and $50,000 per account, paying the lowest of repair, like-for-like replacement, or the amount actually paid with the card or rewards. File a claim within 90 days after the product fails and submit documents within 120 days. Motor vehicles, leased items, used items, software, medical equipment, and repairs outside the original manufacturer warranty are excluded.