Chase · Mastercard · personal · Chase Ultimate Rewards
Review the linked sources below for offer details and eligibility.
Earning
| Chase Travel portal (Issuer travel portal)
5% on travel purchased through Chase Travel (year-round, separate from the rotating categories).
requires booked through Chase Travel
|
5x | 5% |
| Dining & restaurants
3% on dining at restaurants, including takeout and eligible delivery services.
|
3x | 3% |
| Drugstores & pharmacies
3% on drugstore purchases.
|
3x | 3% |
| Lyft (Rideshare)
Issuer wording: '2% cash back total on qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027' (rides, bikes, scooters, subscriptions; excludes gift cards and car rentals).
requires Purchased through the Lyft mobile app; offer runs through 2027-09-30
|
2x | 2% |
| Everything else
1% on all other purchases.
|
1x | 1% |
| Rotating quarterly categories (chase freedom flex) up to $1,500/quarter · activation required
|
5% |
Right column: value per $ at travel valuation (1¢/pt — transfer value 2.05¢ needs a card that unlocks transfers). 1¢ cash. Travel value assumes transfers (Hyatt, airlines) via a Sapphire/Ink Preferred; Freedom/Ink Cash points alone are worth 1¢ unless pooled. Points Boost on Chase Travel up to ~1.5-2¢ on select bookings.
Credits
None.
Benefits
- No annual fee
- No foreign transaction fees FROM 2026-09-20 — Chase removes the 3% foreign transaction fee effective 2026-09-20 (TPG 2026-07-14, Frequent Miler 2026-07-17, Doctor of Credit 2026-07-15). Before that date the 3% fee still applies.
- 0% intro APR for 15 months — 0% intro APR for 15 months from account opening on purchases and balance transfers, then 18.24%-29.99% variable (issuer page, 2026-09). Balance transfer fee applies.
- Cell phone protection (ENDS 2026-09-20) — Up to $800 per claim, $1,000 per 12-month period, max 2 claims, $50 deductible, when the monthly wireless bill is paid with the card. Covers losses incurred through 2026-09-19 only; discontinued 2026-09-20 (TPG).
- 6 months complimentary DashPass — 6 months of complimentary DoorDash DashPass (also covers Caviar; $0 delivery fees on eligible orders). Activate by 2027-12-31; auto-renews at then-current rate after the promo period.
- $10 off quarterly non-restaurant DoorDash orders — Up to $10 off one non-restaurant (grocery, convenience, retail) DoorDash order per quarter through 2027-12-31. Applied as a DoorDash promo, not a statement credit.
- Auto rental collision damage waiver (secondary) — Reimbursement for theft and collision damage on most rental vehicles when the rental company's CDW is declined and the full rental is charged to the card; secondary to personal insurance in the U.S.
- Purchase protection — 120 days from purchase, up to $500 per item / $50,000 per account (90 days for NY residents)
- Extended warranty protection — +1 year on eligible U.S. manufacturer warranties of 3 years or less (up to 4 years total)
- Trip cancellation / interruption insurance — Up to $1,500 per covered traveler / $6,000 per trip for pre-paid, non-refundable passenger fares
- Pool points to Sapphire / Ink Preferred for transfers — Earns Chase Ultimate Rewards points (marketed as cash back at 1 cent each). On their own they cannot be transferred; move them to a Sapphire Preferred/Reserve or Ink Preferred account to unlock airline/hotel transfer partners and boosted portal value.
- Chase Credit Journey — Free credit score and monitoring via Experian.
- Chase Offers — Targeted merchant cash-back offers activated in the Chase app/website.
- Travel and emergency assistance services — Legal and medical referrals and other assistance while traveling (services are referral only; costs are the cardholder's).
- Refer-a-Friend — $50 cash back per referred friend, up to $500 per year (issuer page).
Protections
| purchase protection | 120 days from purchase, up to $500 per item / $50,000 per account (90 days for NY residents) |
| extended warranty | +1 year on eligible U.S. manufacturer warranties of 3 years or less (up to 4 years total) |
| trip cancellation | Up to $1,500 per covered traveler / $6,000 per trip for pre-paid, non-refundable passenger fares |
| rental car | secondary |
| cell phone | Up to $800 per claim, $1,000 per 12 months, 2 claims, $50 deductible (wireless bill must be paid with the card). ENDS 2026-09-20 — covers losses through 2026-09-19 only. |
Notes
TWO CHANGES EFFECTIVE 2026-09-20 (announced July 2026): (1) the 3% foreign transaction fee is eliminated — set foreign_transaction_fee_pct to 0 on/after that date; (2) cell phone protection is discontinued (covers losses through 2026-09-19). The FTF removal applies only to the Freedom Flex, not Freedom Unlimited/Rise/original Freedom (Doctor of Credit). Issued as a World Elite Mastercard (issuer page art). 5% rotating categories are shared with the legacy original Chase Freedom. Rotating 5% is on up to $1,500 combined spend per quarter (max $75 bonus/quarter), then 1%; you must activate each quarter (deadline is normally the 14th of the quarter's last month) or those purchases earn only 1%. Q4 2026 categories not announced as of 2026-09-07. Lyft 2% through 2027-09-30; DashPass offers through 2027-12-31. Rewards post as Chase Ultimate Rewards points; 1 point = 1 cent for cash back/statement credit (no minimum to redeem, never expire while the account is open); Amazon Shop with Points redeems at only 0.8 cents/point. Subject to Chase's 5/24 application rule. Classic pairing with Freedom Unlimited (1.5% catch-all) and a Sapphire (transfers).
Verified 2026-09-07 · confidence high · sources: 1, 2, 3, 4, 5, 6, 7, 8, 9