Question 1

When do Chase Freedom Flex benefits expire?

Accepted Answer

Chase Freedom Flex benefits expire on different schedules: monthly credits reset on the 1st, quarterly credits every 3 months, and annual credits on your cardmember anniversary or calendar year end. Check each benefit's terms for specific dates. Benefit tracking apps can send alerts before expiration.

Question 2

How do I track Chase Freedom Flex benefits?

Accepted Answer

Track Chase Freedom Flex benefits by: 1) listing all 17+ benefits and their values, 2) recording when you use each benefit, 3) setting calendar reminders before credits expire, 4) calculating total value vs annual fee. Apps like kardfolio automate this with expiration alerts and ROI tracking.

Question 3

What are the Chase Freedom Flex earning rates?

Accepted Answer

The Chase Freedom Flex earns: 5x on Booked through Chase Travel, 3x on At drugstores, 3x on At restaurants, including takeout and eligible delivery services. Base rate is typically 1x on all other purchases. Points can be redeemed through the issuer's portal or transferred to airline/hotel partners for potentially higher value.

Chase Freedom Flex

Chase Freedom Flex

Earning Rates

Rotating Categories(Jan–Mar 2026)

Card Benefits

Dining

Account Services

Insurance

Card Details

Chase Freedom Flex

Chase Freedom Flex

Earning Rates

Rotating Categories(Jan–Mar 2026)

Card Benefits

Dining

Account Services

Insurance

Card Details