Cards
Points & MilesChaseNo Annual Fee
Chase Freedom Flex
Key facts
Annual feeNo annual fee
NetworkWorld Elite Mastercard
Rewards currencyUltimate Rewards (UR)
Recommended creditGood credit (690+)
Transfer partnersYes
Current sign-up bonus
$200 bonus after spending $500 on purchases in the first 3 months≈ $200 value
Reward rates
5x Travel booked via Chase
3x Dining
3x on Drugstores
1x on everything else
Annual credits
This card has annual credits — check the issuer's site for current details.
Travel benefits
Travel Accident Insurance (Unconfirmed)
None confirmed. [UNCONFIRMED — Guide to Benefits required to verify if any accidental death/dismemberment coverage applies]
Trip Cancellation / Interruption
Up to $1,500 per covered person and up to $6,000 per trip for pre-paid, non-refundable passenger fares if trip is canceled or cut short by covered reasons (illness, severe weather, etc.). Must pay for trip with this card.
Purchase protections
Cell Phone Protection
Up to $800 per claim, up to $1,000 per 12-month rolling period. $50 deductible per claim. Maximum 2 approved claims per 12-month period. Must pay monthly cell phone bill with this card to activate coverage. Covers theft and damage for cell phones listed on the bill.
Return Protection (Unconfirmed)
None confirmed. [UNCONFIRMED — Guide to Benefits required to verify]
Extended Warranty
Extends the U.S. manufacturer's warranty by 1 additional year on eligible warranties of 3 years or less.
Purchase Protection
Covers eligible new purchases for 120 days against damage or theft. Up to $500 per claim, up to $50,000 per account.
Other benefits
Authorized User Fee
$0.
Foreign Transaction Fee
3% of each transaction in U.S. dollars.
Secondary Rental Car (Unconfirmed)
Yes — Auto Rental Collision Damage Waiver provides secondary coverage for theft and accidental damage on rental vehicles in the US. Dollar limits: [UNCONFIRMED — Guide to Benefits required for exact cap].
Transfer Partners
None directly. Cash back can be converted to Chase Ultimate Rewards points only when paired with a premium UR card (Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred). Transfer partners are then accessible via that premium card.
Annual Credits
None (World Elite Mastercard network perks include $3/month Peacock statement credit, $5 Lyft credit after 3 rides/month, and $10/month Instacart discount — network-level perks, not Chase-issued credits).
Welcome Bonus
$200 bonus after spending $500 on purchases in the first 3 months from account opening.
Earn Rates
5% cash back on up to $1,500 in combined purchases in quarterly rotating bonus categories (activation required); 5% on travel purchased through Chase Travel; 3% on dining at restaurants (including takeout and eligible delivery); 3% at drugstores; 1% on all other purchases. Also 2% on Lyft rides through 09/30/2027.
Best for
Travel PortalDining
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Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
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