Chase
The Chase Freedom Flex offers $731 in annual benefits with no annual fee. Even without a fee to offset, these perks are worth tracking so you actually use them.
$0
Annual Fee
$731
Total Benefit Value
+$731
Net Value
| Benefit | Value |
|---|---|
|
DashPass Membership Receive 6 months of complimentary DashPass membership for use on DoorDash and Caviar. Must be activated by December 31, 2027. |
$96 |
|
$10 Quarterly DoorDash Promo Credit (Non-Restaurant) Receive a $10 discount each calendar quarter at checkout on one qualifying non-restaurant order on DoorDash while enrolled in DashPass. |
$40 |
|
$5 Monthly Lyft Credit Earn a $5 Lyft credit after taking 3 rides in a calendar month, paid for with your eligible Mastercard. |
$60 |
|
$10 Monthly Instacart Credit Receive $10 off your second order each month when you have an Instacart+ membership and pay with your World Elite Mastercard. |
$120 |
|
$3 Monthly Peacock Credit Get a $3 statement credit each month when you use your card to pay for Peacock Premium or Peacock Premium Plus. |
$36 |
|
ShopRunner Membership Complimentary one-year ShopRunner membership for free two-day shipping and free returns at participating online retailers. |
$79 |
|
5% Cash Back on Quarterly Categories Earn 5% cash back on up to $1,500 in combined purchases in rotating bonus categories each quarter you activate. |
$300 |
|
5% Cash Back on Chase Travel Earn 5% cash back on travel purchased through the Chase Travel portal. |
Included |
|
3% Cash Back on Dining & Drugstores Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services. |
Included |
|
5% Cash Back on Lyft Rides Earn 5% cash back on Lyft rides through September 30, 2027. |
Included |
|
Cell Phone Protection Up to $800 per claim and $1,000 per 12-month period in cell phone protection against covered theft or damage, with a $50 deductible and max 2 claims per year. |
Included |
|
Trip Cancellation and Interruption Insurance Reimbursement up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares if your trip is canceled or cut short by covered situations. |
Included |
|
Purchase Protection Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item. |
Included |
|
Extended Warranty Protection Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less. |
Included |
|
Auto Rental Collision Damage Waiver Secondary coverage in the U.S. Provides reimbursement for theft and collision damage for most rental vehicles up to $60,000. |
Included |
|
Travel and Emergency Assistance Services Provides legal, medical, and other travel and emergency service referrals while traveling away from home. |
Included |
$731
Total benefits
$0
Annual fee
= +$731
Net value
The Chase Freedom Flex has no annual fee, so every benefit is pure upside. The question is not whether it is worth it, but whether you are actually using the perks it offers.
Prky tracks every Chase Freedom Flex benefit, sends reset alerts, and shows your real ROI. No card numbers needed.
Track These Benefits FreeThe Chase Freedom Flex offers 16 benefits worth approximately $731 per year. Key benefits include 5% Cash Back on Quarterly Categories ($300), $10 Monthly Instacart Credit, DashPass Membership ($96). The card also includes 5 insurance benefits for added protection.
The Chase Freedom Flex is a strong no-annual-fee option with 16 benefits. Since there is no fee to offset, every perk you use is pure value. Highlights include 5% Cash Back on Quarterly Categories ($300) and $10 Monthly Instacart Credit and DashPass Membership ($96). It works well as a standalone everyday card or as a complement to premium cards in your wallet.
The Chase Freedom Flex has benefits that reset on different schedules: One-Time, Quarterly, Monthly, Annually. 3 benefits reset monthly, so missing even one month means lost value. Prky tracks all reset dates and sends alerts before credits expire.
Yes, the Chase Freedom Flex includes 5 insurance benefits: Cell Phone Protection, Trip Cancellation and Interruption Insurance, Purchase Protection, Extended Warranty Protection, Auto Rental Collision Damage Waiver. These protections are included at no extra cost as part of your cardmember benefits and can save you hundreds on separate insurance policies.
Prky tracks all 16 Chase Freedom Flex benefits automatically, including 5% Cash Back on Quarterly Categories and $10 Monthly Instacart Credit. The dashboard shows dollar values, usage status, and upcoming reset dates for each benefit. Benefits reset on quarterly, monthly, annually, other schedules. You get email alerts before credits expire so nothing goes to waste.
Whether you carry the Chase Freedom Flex or five other premium cards, Prky makes sure you use every benefit you are paying for.
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