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What does chase freedom® travel insurance cover.

The Chase Freedom ® family of cards come with several attractive features, such as 1.5% cash back on purchases. But did you know that Freedom cards also come with travel insurance benefits that can help you book a vacation with greater peace of mind?

It's true, common carrier expenses such as a plane ticket or cruise line booking can be reimbursed — if certain covered situations arise that interrupt your vacation or force the cancellation of your reservation. Read on to learn more about these benefits, as well as some important facts to know before you purchase your next vacation using your Freedom card.

Do Chase Freedom credit cards come with travel insurance?

All three currently issued Freedom cards: Chase Freedom Unlimited ® , Chase Freedom Flex ® and Chase Freedom Rise ® offer their cardmembers basic travel insurance covering trip interruption or cancellation. This covers certain ‘‘what if’’ situations that may impact your travel plans, providing reimbursement after a claim is filed and processed.

For the Freedom family of cardmembers, the maximum amount of this reimbursement benefit is up to $1,500 per cardmember, their immediate relative or domestic partner. The maximum reimbursement benefit per trip is $6,000.

In order to be covered, the flight or cruise trip must be paid in full or partially using your Chase Freedom card or accumulated Ultimate Rewards ® . Immediate family members do not necessarily need to be traveling with the Freedom cardmember who booked the trip for the trip interruption or cancellation benefit to apply.

What’s the difference between trip interruption and trip cancellation?

Trip interruption insurance is a form of reimbursement for unused, prepaid and non-refundable travel expenses if a trip needs to be cut short by covered situations that come up during or after departure.

Trip cancellation insurance is a pre-departure benefit that can reimburse trip costs if a traveler needs to cancel their trip altogether due to unforeseeable and non-refundable circumstances.

There can be some subtle differences between the coverage provided in trip interruption versus cancellation insurance-covered situations. For more information, consult your Chase Freedom Guide to Benefits. The following is a summary of some applicable trip interruption or cancellation situations:

What is covered by Chase Freedom’s travel insurance?

The Chase Freedom card may cover trip interruption or cancellation from:

• Hurricanes, tornadoes, or other severe weather either impacting the point of origin or destination of your trip, as well as the airspace or route between the two points, that causes the cessation or cancellation of service by the airline or another type of common carrier, such as a cruise line. This also applies to hotels and resort destinations you may have booked when they are impacted by severe storms.
• Accidental bodily injury , or a severe illness prior to or during a trip that impacts the cardmember traveler, their traveling spouse or domestic partner, or their immediate relative—see cardmember Benefits Guide for details
• An organized strike impacting the common carrier (airline) or public transportation that causes you or your spouse or domestic partner to miss at least 20% of your booked itinerary
• A change in military orders for you, your spouse or domestic partner that requires you to cut short or cancel your trip

What’s not covered by Chase Freedom travel insurance

The following is a short list of common exclusions from Chase Freedom travel insurance:

• Trip interruption and cancellation insurance does not apply to trips lasting more than 60 days
• Trip interruptions or cancellations caused by the financial insolvency of a booked airline, tour operator or travel agency
• Any pre-existing medical conditions are not covered

Please note that these benefits are payable over and above any amount due from valid or collectible insurance, such as a travel insurance policy you may have taken out from an insurance company to insure you trip. Please also be aware that these benefits will not apply if you fail to contact the common carrier such as an airline and address any compensation you may be owed from the airline. Nor do these benefits apply to a voluntary situation when a cardmember accepts compensation in miles from an overbooking airline to take a later flight.

What Travel and Emergency Assistance Services are available to Chase Freedom cardmembers?

Chase through its Benefits Administrator offers a Travel and Emergency Assistance line that can be reached 24 hours a day, 365 days a year. This helpline can assist you with pre-trip information about your destination, such as currency exchange rates and the required visas and immunizations to visit a country. The Travel and Emergency Assistance help line can also assist with certain stressful situations that can arise while traveling in a foreign country, such as:

• Medical referral assistance to hospitals, doctors and dentists
• Legal referral assistance
• Arranging for emergency ground transportation to leave the country

Although the Travel and Emergency Assistance helpline can direct you to legal, medical, dental and transportation providers in the foreign country you are visiting, all costs associated with these services will be your responsibility.

Chase Freedom card coverage benefits for rental cars

The Chase Freedom Auto Rental Collision Damage Waiver (ARCDW) that comes with your Chase Freedom card can reduce some of the stress involved in renting a car, by offering some protection against damage or theft to domestic rental cars. Your cardmember benefit also can provide primary coverage for damage or theft to international car rentals. Note that in order for this coverage to apply, you must waive the rental car company’s own collision damage waiver coverage when reserving your vehicle and picking it up at the rental car counter.

Car rentals that last more than 31 days, as well as high-performance or luxury cars and boat rentals are not covered. Rental car provider, country and vehicle type restrictions apply—see your Guide to Benefits terms and conditions for details.

If there’s been a collision damaging your rental car, please report the damage to the rental car company before contacting the Benefits Administrator.

How to file a Chase Freedom travel insurance claim

If your flight or cruise line trip is interrupted or cancelled, contact the common carrier first to see if they can address the situation first, before contacting the Benefits Administrator.

In order to qualify for these benefits and file a claim for an interrupted or cancelled trip with the Benefits Administrator, you must:

• Take action within 20 days of your trip being cancelled or interrupted, by calling the Benefit Administrator using the number on the back of your card, or logging on to eclaimsline.com
• Provide the Freedom card statement for the travel expenses charged and any necessary documentation from your trip, such as your travel itinerary, unused or cancelled flight plane tickets or medical treatment records
• Submit all documentation requested by the Benefits Administrator within 90 days of your interrupted or cancelled trip

Final thoughts: What to know before you go

The trip interruption and cancellation insurance coverage that comes with booking holiday travel or vacations using your Chase Freedom card shouldn’t be viewed as a replacement, but as a supplement to any travel insurance policies you may purchase through an insurance company. Researching and purchasing a travel insurance policy is highly recommended if you plan to travel internationally for more than several weeks. Exclusions apply for trips that exceed 60 days duration — see your cardmember Benefits Guide for details.

Knowing that help is just a phone call away can be a relief when you are traveling to an unfamiliar destination or a foreign country. So too can be knowing you have collision damage coverage when renting a car in the U.S. or abroad using your Chase Freedom credit card.

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Full List of Travel Insurance Benefits for the Chase Freedom Unlimited [2023]

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Basic Card Information

Does the freedom unlimited card offer travel insurance benefits, trip cancellation and interruption insurance, auto rental collision damage waiver, roadside dispatch, travel and emergency assistance services, other credit cards, travel insurance policies, final thoughts.

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The Chase Freedom Unlimited ® is arguably the most popular no-annual-fee rewards credit card in the U.S. It was a huge hit when it was first released and Chase has continued to boost the value proposition of this card through its regular refreshes.

This credit card is best known as a cash-back credit card, but one of the secret features of this card is that its rewards can be converted to Ultimate Rewards points with the right credit card pairing.

Incredibly, the Freedom Unlimited card comes with basic travel insurance , which is surprisingly rare considering the no-annual-fee nature of this card.

In this guide, we outline all of the details of the Freedom Unlimited card’s travel insurance coverage.

Travel insurance is one of the features of the Freedom Unlimited card , but there are so many other reasons why you’d want to hold this credit card.

Here’s a table summarizing the Freedom Unlimited card’s high-level perks:

Chase Freedom Unlimited ®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

The Chase Freedom Unlimited ® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• 5% back on travel purchased through Chase Travel
• 3% back on dining and drugstore purchases
• 1.5% back on all other purchases
• No annual fee
• Earn big on travel purchased through Chase Travel
• Everyday bonus on dining and drugstores
• Straightforward cash-back on all other purchases
• Ability to pool points
• 3% foreign transaction fee
• INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited ® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

Financial Snapshot

• APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

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The Freedom Unlimited card absolutely offers travel insurance benefits.

To set expectations, though, the suite of travel insurance benefits is a tiny fraction of what is offered on more premium cards such as  The Platinum Card ® from American Express or Chase Sapphire Reserve ® .

But the answer is  yes , the Freedom Unlimited card offers travel insurance benefits.

Travel Insurance Coverage

So now that we’ve established that the Freedom Unlimited card offers travel insurance benefits, the next logical question is: what types of coverage are offered?

In this guide, we break down each of the benefits, one by one.

Arguably, the most important travel insurance perk offered by the Freedom Unlimited card is trip cancellation and interruption coverage.

If there’s a covered loss or event, including severe weather, sickness, or other covered situations, you can get reimbursed for your prepaid nonrefundable passenger fares. Covered fares include those on common carriers such as airlines, buses, cruise ships, or trains.

Trip cancellation coverage begins on the initial deposit or booking date of the trip and ends at the point and time of departure on your scheduled departure date.

Meanwhile, trip interruption coverage begins on the scheduled departure date and ends on your scheduled return date.

The maximum coverage you can get through this benefit is $1,500 per covered person with a cap of $6,000 per trip.

Also, trip interruption covers up to $250 in ground transportation expenses for necessary medical treatment, to the airport, terminal, or station of departure, and/or between the arrival airport, terminal, or station and covered travelers’ residences.

Covered people include the cardholder and immediate family members, even if the cardholder is not traveling with them.

You must pay for all or a portion of your trip using your Freedom Unlimited card or using rewards from your Freedom Unlimited card. If you redeem points, Chase will reimburse you at a value of 1 cent per point.

Here are some examples of covered incidences:

• Severe weather that prevents the start or continuation of a covered trip
• Accidental bodily injury, loss of life, or sickness experienced by the covered person or traveling companion that prevents the covered person or companion from traveling on the trip
• Accidental bodily injury, loss of life, or sickness of an immediate family member of the covered person or companion when the injury or sickness is considered life-threatening and requires hospitalization or an immediate family member requires the care of the covered person or companion
• An organized strike affecting public transportation that affects the covered person’s ability to commence or continue on a covered trip
• Changes in military orders of the covered person or his/her spouse/domestic partner
• Terrorist action or hijacking

Here are some of the exclusions:

• Travel arrangements canceled or changed by the common carrier, tour operator, or travel agency (unless it’s a result of severe weather or an organized strike affecting public transportation)
• Preexisting conditions
• Traveling against the advice of a physician
• Changes in plans or financial circumstances
• Declared or undeclared war
• Trips that exceed 60 days in duration
• Financial insolvency of the cardholder’s travel agency, tour operator, or travel supplier

Filing a Claim

You can file a claim 100% online or start the claims process over the phone:

• You can also call the Benefits Administrator at 888-320-9656 (or 804-673-1691 to call collect outside the U.S.) to file a claim.
• Call the Benefit Administrator or start the claim process within 20 days of your cancellation or interruption.
• If filing over the phone, answer a few questions with the Benefits Administrator so that they can provide you with the right claim forms and required documentation.
• Provide the required documentation and all completed forms within 90 days or as soon as reasonably possible (no later than 1 year after the 90-day deadline).

Some examples of required supporting documentation include:

• Travel itinerary
• Documentation confirming the reason for trip cancellation or interruption, such as medical documents or a death certificate
• Freedom Unlimited card statement reflecting the last 4 digits of the account number and proof of expenses incurred and prepaid nonrefundable travel arrangements
• Copies of the cancellation or refund policies of the providers involved in the trip
• Unused vouchers, tickets, or coupons

The Freedom Unlimited card provides secondary rental car insurance while you’re traveling. To use it, you will always need to decline the rental car agency’s loss damage waiver (LDW) or collision damage waiver (CDW).

Also, you must pay for the entire rental car transaction using your Freedom Unlimited card. If you book your rental car using your rewards points, you can still qualify for coverage.

Once you do that, you will have:

• Secondary rental car coverage for damage and theft for U.S. domestic car rentals
• Primary rental car coverage for damage and theft on international car rentals (some exclusions apply)

To get coverage, you must use a Freedom Unlimited card with your name embossed on the card.

Your rental period must be a maximum of 31 consecutive days to get coverage.

Other drivers can get coverage on the car rental, but only if these additional drivers are listed on your auto rental agreement.

There is a series of excluded vehicles:

• Exotic and antique cars (over 20 years old or that have not been manufactured for 10 years or more)
• Selected models of Audi, BMW, Mercedes-Benz, Cadillac, Infiniti, Land Rover, Lexus, Lincoln, and Range Rover are covered
• Motorcycles, mopeds, motorbikes
• Passenger vans with seating for more than 9 people, including the driver
• Recreational vehicles
• Trucks (other than pick-up trucks)
• Vehicles with open cargo beds

Many travelers mistake liability coverage with credit card rental car insurance. There aren’t any credit cards that offer liability coverage, so you’ll still be 100% responsible for charges and damages if you are at fault  for the incident.

Here’s what’s covered:

• Theft and/or damage to the covered rental car
• Loss-of-use charges imposed by the rental company, including administrative fees
• Reasonable towing charges that occur while you’re responsible for the vehicle

Here are some of the exclusions for coverage:

• Any obligation you assume under any agreement
• Any violation of the auto rental agreement
• Confiscation by authorities
• Damage due to off-road operation of the vehicle
• Depreciation of the rental vehicle
• Expenses reimbursable by your insurer, employer, or employer’s insurance
• Injury of anyone, including you, or damage to anything inside or outside the rental vehicle
• Items not installed by the original manufacturer
• Leases and mini leases
• Loss or theft of personal belongings
• Personal liability
• Rental periods that exceed 31 days
• Theft or damage due to hostility of any kind, including war, invasion, rebellion, insurrection, or terrorist activities
• Theft or damage due to intentional acts or driver(s) being under the influence of alcohol, drugs, intoxicants, or due to contraband or illegal activities
• Wear and tear, gradual deterioration, or mechanical breakdown

The list goes on, but you’ll notice that these are very niche or unusual exclusions. Just use the rental car as intended, and you shouldn’t run into any major issues.

Filing a claim is easy; just follow these steps:

• You must begin the claim process no later than 60 days after the incident date.
• You’ll need to also report the incident and file a police report, if available. Next, photograph as much of the incident as possible, especially the damaged vehicle. After that, get a copy of the repair estimate and itemized repair bill.
• The Benefits Administrator will provide the list of required documentation to complete your claim.
• Collect all of the relevant documentation, sign and complete the claim forms, and submit all of the documents within 100 days after the incident date, even if all other required documentation isn’t yet available.
• You may be requested to provide more documentation by the Benefits Administrator. All documentation must be postmarked within 365 days of the theft or damage date in order to qualify for reimbursement.

You’ll also likely need to provide the credit card statement showing the last 4 digits of your Freedom Unlimited card and the car rental purchase to substantiate the rental car booking.

The Freedom Unlimited card includes Roadside Dispatch in its benefits list, which can be used 24/7 as needed. Although the benefit isn’t free, you’ll be able to access roadside assistance on a pay-per-use basis.

For a flat fee of $69.95 per service call , you can access these services:

• Fuel delivery (up to 5 gallons, plus the fuel cost)
• Jump-starting
• Lockout service (no key replacement services)
• Standard towing (up to 5 miles included)
• Standard winching
• Tire changing (must have a good, inflated spare)

You just need to call 800-847-2869 when you need roadside assistance, and they’ll ask for your location and further details. After that, you’ll have your services arranged and delivered to you.

The last element of the Freedom Unlimited card’s travel insurance is travel and emergency assistance services.

Essentially, this benefit is designed to help you if you need legal, medical, or other major assistance while you’re away from home.

It doesn’t cover the cost of the services ; rather, it connects you to referrals and firms that can help offer these services.

Available 24/7, 365 days per year, travel and emergency assistance services cover the primary cardholder, the cardholder’s spouse or domestic partner, and any dependent children under the age of 22.

Covered services include:

• Emergency message services record and relay emergency messages for travelers, immediate family members, and business colleagues
• Medical referral assistance provides medical referrals, monitoring, and follow-up
• Legal referral assistance provides referrals to English-speaking attorneys, U.S. embassies, and U.S. consulates
• Emergency transportation assistance helps make arrangements for emergency transportation home or to the nearest medical facility
• Emergency ticket replacement helps process and assist replacement tickets should you lose your ticket
• Lost luggage locator service helps through claim procedures or arranging shipment of replacement items if your airline or common carrier loses your checked luggage
• Emergency translation service provides telephone assistance in all major languages and locates local interpreters
• Prescription assistance and valuable document delivery arrangements helps you fill or replace prescriptions and arrange for pickup and delivery of prescriptions, as well as transport critical documents you left at your home or elsewhere
• Pre-trip assistance gives information about currency exchange rates, weather reports, health precautions, required passport visas, necessary immunizations, and ATM locations

How Coverage Compares

That wraps up the overview of travel coverages offered by the Freedom Unlimited card. Now, let’s see how it stacks up with other options!

The Capital One VentureOne Rewards Credit Card often gets compared to the Freedom Unlimited card.

The Freedom Unlimited card generally outperforms because of its substantial trip interruption and cancellation insurance.

Trip interruption and trip cancellation insurance are benefits that aren’t offered on most annual fee credit cards — so the fact that Chase offers it on a card with no annual fee is impressive.

Generally, no-annual-fee credit cards only offer 2 benefits: secondary rental car insurance and travel accident insurance. The main benefit missing from the Freedom Unlimited card that would make it the undisputed travel insurance leader in the no-annual-fee realm is  travel accident insurance .

The travel insurance provided by the Freedom Unlimited card pales in comparison to a full travel insurance policy .

Travel insurance policies usually also cover:

• Delayed baggage insurance
• Emergency evacuation coverage
• Lost, stolen, or damaged baggage insurance
• Medical and dental coverage
• Primary rental car insurance
• Trip delay insurance

So using the Freedom Unlimited card is by no means a replacement for a travel insurance policy.

That said, travel insurance policies usually cost around 10% of the coverage amount, so that would entail an additional cost you’ll need to budget for.

The Freedom Unlimited card is a great rewards credit card with no annual fee and many useful benefits.

Its travel insurance, in particular, is about as good as you can get for a card with no annual fee.

In fact, the Freedom Unlimited card outperforms its competitors in the travel coverage realm.

Just remember that there are almost no instances in which the Freedom Unlimited card’s travel coverages and protections can actually replace a complete travel insurance policy purchased separately.

The information regarding the Capital One VentureOne Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

What is considered travel for the freedom unlimited card.

The Freedom Unlimited card doesn’t offer a bonus multiplier on “travel” as the Chase Sapphire Reserve card does. However, you can earn 5% cash-back on travel purchased through Chase Ultimate Rewards. Your travel must be booked and paid for specifically through Chase Ultimate Rewards to qualify, however.

Does Chase insure all travel?

Chase does not insure all travel. In fact, the travel insurance benefits you get are dependent on what card you have, the type of travel you booked, and more.

Is the Freedom Unlimited card good for travel?

The Freedom Unlimited card is a great introductory card for travel. You can earn up to 5% cash-back on travel purchases and utilize travel insurance benefits such as secondary rental car coverage and trip interruption and cancellation insurance.

Who is covered by Chase travel insurance?

In general, it depends on what travel insurance benefit you’re referring to. On the Freedom Unlimited card’s trip cancellation and trip interruption benefit, the cardholder (name must be embossed on the Freedom Unlimited card) and immediate family members are covered. Immediate family members include your spouse, spouse’s parents, sons and daughters (including adopted children and stepchildren), parents (including stepparents), brothers, sisters, grandparents, grandchildren, aunts, uncles, nieces, nephews, domestic partners, and legal guardians or wards.

Does the Freedom Unlimited card waive foreign transaction fees?

The Freedom Unlimited card does not waive foreign transaction fees. You’ll need to pay a 3% foreign transaction fee if you make a foreign purchase using your Freedom Unlimited card.

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Chase Freedom Travel Insurance Coverage Explained [2019]

The Chase Freedom and Chase Freedom Unlimited are two very popular cash back credit cards that offer great rewards and come with no annual fee. The Freedom earns a respectable 5% back on rotating quarterly categories and the Chase Freedom Unlimited earns a solid 1.5% back on all purchases. 

But beyond the rewards, these cards also offer some decent travel insurance benefits and coverage that many don’t know about. In this article, I will break down the Visa Platinum and Visa Signature benefits for these cards and also show you some alternative options you might want to think about for getting better protections for things like rental car insurance and baggage delay protection. 

Table of Contents

Does the Chase Freedom come with travel insurance?

The Chase Freedom cards (both the Chase Freedom and Chase Freedom Unlimited) come with different types of travel insurance benefits depending on the type of Visa credit card that you are issued. I’ll go into detail below about these different types of travel insurances and tell you everything you need to know about them. 

Different types of Freedom cards

The Chase Freedom cards (Freedom and Freedom Unlimited) come in two forms: the standard (Visa Platinum) version and the upgraded Visa Signature version. You can’t apply for one version and instead you will be approved for one or the other when you apply based on Chase’s standards. If you are approved for a Visa Signature version, you’re usually given a minimum credit line of $5,000. 

These different versions of Visa cards come with different types of benefits and travel insurance and I’ll go into detail below. 

Rental car insurance (Collision damage waiver)

Both the Freedom cards come with rental car insurance (also known as Auto Rental Collision Damage Waiver). The Auto Rental CDW benefit provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles

This is secondary coverage in your country of residence which means it supplements, and applies in excess of, any valid insurance. In other words, Auto Rental CDW will not pay for theft or damage reimbursable by your own insurer, employer, employer’s insurance, or any other valid and collectible reimbursement. But you can get coverage for deductibles and other charges such as administration fees. 

Outside your country of residence or if you do not have automobile insurance, you do not have to claim payment from any other source of insurance before receiving coverage under this benefit. This essentially turns the coverage into primary rental car coverage but only outside your country of residence.

If you want primary rental car coverage everywhere you go, you’re much better off to go with a card like the Chase Sapphire Preferred ( full review here ). 

The cards offer coverage for you (the cardholder) and any additional drivers permitted to operate the vehicle under the terms of the rental agreement (basically other people who have signed the contract). 

It’s also worth noting that there are some exceptions to the coverage such as renting certain vehicles. Excluded worldwide are:

• antique automobiles
• certain vans
• vehicles that have an open cargo bed
• motorcycles
• recreational vehicles.

Also, the benefit only covers vehicle rental periods that do not exceed or are not intended to exceed 31 consecutive days within or outside of your country of residence.

Trip cancellation and interruption

When people talk about travel insurance, they are often thinking mostly about trip cancellation and interruption. These protections are very valuable because they reimburse you for pre-paid, non-refundable costs in the event that certain circumstances prevent you from traveling.

For example, you might book a trip with pre-paid airfare and hotel stays that are all non-refundable (the non-refundable rates are usually always the cheapest). But then you get sick and can’t travel. If you have trip cancellation, you can get reimbursed for all of those expenses (with certain cards). I’ve used this perk when I’ve had to cancel big trips before and it has saved me thousands of dollars before. 

But the amount that you can get covered depends on the type of Freedom card that you have (Platinum versus Signature). 

Chase Freedom Visa Platinum travel insurance 

The standard Visa Platinum offers protection up to $1,500 for each covered person per trip.  Here are what its terms state:

Trip Cancellation and Interruption benefits reimburse non-refundable passenger fares charged by an airline, cruise line, railroad, or any other Common Carrier up to one thousand five hundred ($1,500.00) dollars for each Covered Person per Trip to a maximum of six thousand ($6,000.00) for all Covered Persons traveling together on the same Trip, if a Loss results in cancellation or interruption of the travel arrangements.

Chase Freedom Visa Signature travel insurance 

The Visa Signature offers protection up to $5,000 for each covered person per trip.  Here are what its terms state:  

If a Trip Interruption occurs, the Company will reimburse you for up to the maximum Benefit Amount of five thousand ($5,000.00) dollars for: the forfeited, non-refundable pre-paid land, air and/or sea transportation arrangements that were missed

Chase Sapphire Reserve travel insurance 

If you really want better travel insurance coverage you should look into the Chase Sapphire Reserve, a Visa Infinite Card. That’s because you can get coverage up to $10,000 . Here are what its terms state : 

Trip Interruption insurance reimburses you or your Immediate Family Members for up to ten thousand ($10,000.00) dollars for each Covered Trip if a Covered Loss causes interruption of the Covered Trip on the way to the point of departure or after the departure of the Covered Trip. Covered Trip means any pre-paid tour, trip or vacation[…]

One major difference between the two types of Freedom cards is the type of expenses covered by trip cancellation. Compare all of the expenses covered by the Freedom Platinum versus the Freedom Visa Signature. 

Chase Freedom Visa Platinum

What types of expenses are eligible for reimbursement? Airline, cruise line, railroad and other Common Carrier fares. 

Chase Freedom Visa Signature

Some of the prepaid travel arrangements that are eligible for reimbursement include, but are not limited to, airline tickets, train tickets, bus tickets, prepaid tours, hotels, and rental cars.

Thus, based on the terms and conditions, it appears like the Chase Freedom Visa Signature version offers much more expansive coverage (though you may want to inquire to see if the Visa Platinum list is exhaustive). 

You’ll need to pay special attention to the terms to make sure that your specific type of loss is covered. The following types of reasons for cancelling your trip may be honored: 

• Accidental Bodily Injury, Loss of Life, or Sickness experienced by You or a Traveling Companion
• Accidental Bodily Injury, Loss of Life, or Sickness experienced by an Immediate Family Member of You or a Traveling Companion when the Accidental Bodily Injury or Sickness is considered life threatening, requires hospitalization, or such Immediate Family Member requires the care of the Covered Person or Traveling Companion
• Change in military orders 
• An organized strike
• Severe Weather

Some types of situations where you won’t get coverage include times when you’re dealing with a pre-existing condition and other scenarios so make you’re aware of those. 

You will need to supply documentation for these protections to kick in. For example, if you got sick and couldn’t travel you should expect to supply a doctor’s note. You will also need to keep all of the documents related to all of your travel expenses because they will likely request you to show them everything you can. 

Lost luggage with the Chase Freedom

With the Chase Freedom Visa Signature card you can also get coverage for costs you incur to repair or replace Checked Baggage and/or Carry-On Baggage and personal property contained within due to physical loss or damage, if the loss (including theft) or damage occurs during a Common Carrier Covered Trip. 

You, the Primary Insured Person and your Immediate Family Members are covered  $3,000.00 for each Insured Person for each Common Carrier Covered Trip but only up to $500 for each Insured Person for each Common Carrier Covered Trip for jewelry, watches, cameras, video recorders, and other electronic equipment.

If you want more luggage protections such as baggage delay protection then you’ll want to consider the Chase Sapphire Preferred and the Chase Sapphire Reserve. Both of those cards will allow you to go out on the town and purchase things like clothes and toiletries while you await for your luggage to be returned. Baggage delay for the Sapphire Reserve kicks in after only six hours which is one of the best policies. 

Chase Freedom roadside assistance 

With the Chase Freedom Visa Signature card you can get roadside assistance. Help is available by calling Cross Country Motor Club at 1-866-860-7978, toll-free, 24 hours a day, 365 days a year.  You are covered up to a maximum of $50 for each service event, up to four events each year.

Coverage is provided while traveling in the U.S. and Canada and includes:

• Battery Boost – If your vehicle won’t start due to a dead or weak battery.
• Flat Tire Service – If you have a flat tire, we’ll install your inflated spare.
• Fuel Delivery – If you run out of gas, an emergency supply will be delivered to you. The cost of fuel is covered for up to 2 gallons
• 24 Hour Towing Assistance – In the event of a vehicle breakdown that requires a tow, a call to the toll-free assistance line will put you in contact with a customer service representative who will arrange to transport the vehicle to the nearest repair facility or location of the motorist’s choice.
• 24 Hour Lockout Assistance – Should you accidentally lock yourself out of your vehicle, a qualified locksmith will be dispatched to remedy the situation. 

Travel accident insurance 

The Chase Freedom Visa Signature cards come with travel accident insurance which is basically a way to get coverage when some seriously tragic events take place like a loss of life or some type of permanent disfigurement.

Travel and Emergency Assistance Services

With both of the Freedom cards you also get Travel and Emergency Assistance Services. If you call the benefit administrator you can get referrals for certain emergency services.

For example, if you’re in a foreign country and you need to locate a physician or even something like a lawyer they can help. They can also assist with replacing lost tickets, lost luggage, translations, and other requests. The key to know here is that you are 100% responsible for all of the services that they refer you to. 

Emergency Medical and Dental Benefit

If you were looking for coverage for certain health-related, the Chase Freedom Visa Signature version allows you to be eligible to receive up to a maximum of $2,500.00 (subject to a $50.00 deductible) for medical expenses not paid or payable by your medical insurance or other reimbursement incurred as a result of Emergency Treatment of a sickness or accidental injury occurring during the course of Your Trip.

Certain terms apply to the treatment but you can get coverage for things like: 

• The services of a legally qualified physician, surgeon, graduate nurse, dentist, or osteopath.
• Charges for hospital confinement and use of operating rooms.
• Charges for anesthetics (including administration), x-ray examinations or treatments, and laboratory tests.
• Ambulance services.
• Drugs, medicines, and therapeutic services and supplies.

If you need to be evacuated in the event of an emergency you can also get Emergency Evacuation and Transportation benefits up to $100,000.00.

Final word 

Overall, the Chase Freedom cards do offer some level of decent travel protections. But if you really want more comprehensive travel benefits and higher limits, I’d highly suggest that you look into a card like the Chase Sapphire Preferred or the Chase Sapphire Reserve. You’ll feel a lot better about the comprehensive nature of those travel protections. 

Daniel Gillaspia is the Founder of UponArriving.com and the credit card app, WalletFlo . He is a former attorney turned travel expert covering destinations along with TSA, airline, and hotel policies. Since 2014, his content has been featured in publications such as National Geographic, Smithsonian Magazine, and CNBC. Read my bio .

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Chase Freedom Unlimited ® credit card

New cardmember offer, earn a $200 bonus, at a glance, earn cash back for every purchase..

Cash Back Rewards & Benefits

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. * Opens offer details overlay

This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.

Unlimited 1.5% cash back is just the beginning

Earn 3% on dining at restaurants, including takeout and eligible delivery services * Opens offer details overlay

Earn 3% on drugstore purchases * Opens offer details overlay

Earn 5% on travel purchased through Chase Travel SM . * Opens offer details overlay

Earn 1.5% on all other purchases. * Opens offer details overlay

Low intro APR

0% intro APR for 15 months from account opening on purchases and balance transfers. † Opens pricing and terms in new window --> † Opens pricing and terms in new window --> After the intro period, a variable APR of 20.49 Min. of (8.50+11.99) and 29.99 %– 29.24 Min. of (8.50+20.74) and 29.99 %. † Opens pricing and terms in new window --> † Opens pricing and terms in new window --> Balance transfer fee applies, see pricing and terms for more details. † Opens pricing and terms in new window --> † Opens pricing and terms in new window -->

No annual fee

You won't have to pay an annual fee † Opens pricing and terms in new window --> † Opens pricing and terms in new window --> for all the great features that come with your Freedom Unlimited ® card.

Cash Back rewards do not expire

Cash Back rewards do not expire as long as your account is open. * Opens offer details overlay And there is no minimum to redeem for cash back.

Explore Additional Card Rewards & Benefits

Refer friends.

if you already have a Chase Freedom Unlimited ® Card!

Earn up to $500 cash back per year

You can earn $50 cash back for each friend who gets any participating Chase Freedom ® credit card. Click the button below to start referring.

Can you have Chase Freedom Unlimited ® and Chase Freedom Flex ® ?

Yes, you can have both the Chase Freedom Flex ® and Chase Freedom Unlimited ® credit cards.

Does Chase Freedom Unlimited ® have travel insurance?

The Chase Freedom Unlimited ® credit card offers Trip Cancellation/Trip Interruption Insurance. For eligible travel purchases made with your Chase Freedom Unlimited ® credit card, you can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.

How to get cash back with the Chase Freedom Unlimited ® credit card?

The Chase Freedom Unlimited ® credit card awards 1.5% cash back for every $1 spent on all purchases. You also earn 5% cash back on travel purchases made through Chase Travel SM and 3% cash back on dining purchases at restaurants, including takeout and eligible delivery services, and drugstores. Cash back points can be redeemed through Ultimate Rewards ® with no minimum.

What are the Chase Freedom Unlimited ® cash back benefits?

Freedom Unlimited ® cardmembers will earn:

• 5% cash back on all travel purchased through Chase Travel SM
• 3% cash back on dining at restaurants, including takeout and eligible delivery services
• 3% cash back on drugstore purchases

Also, Freedom Unlimited ® cardmembers will continue to earn 1.5% cash back on all other purchases, and No Annual Fee.

Cardmember Reviews

Great card for everyday purchases and racking up bonus points!

Chase review excellent

Excellent customer service, awesome reward points, very good fraud protection, one of the best cards ive ever had. Would highly recommend.

Best Credit Card Out There!

What's not to love about about this card!? Easy balance payment, cashback on all transactions that you can redeem easily at any time, no annual fees. Plus my credit limit doubled after the first 6 months! Love this credit card.

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Redeem your cash back rewards, redeem for cash back.

There is no minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts.

Shop with points at Amazon

Link your Chase Freedom Unlimited card to your Amazon.com account and instantly redeem your Cash Back rewards to pay for all or part of your eligible Amazon.com orders at checkout, including tax and shipping. * Opens offer details overlay

Redeem for a variety of gift cards and certificates for shopping, dining and entertainment, and more.

Book your travel with Chase Travel SM for competitive rates and flexible ways to pay.

Service & protection

Zero liability protection.

Means you won't be held responsible for unauthorized charges made with your card or account information. * Opens offer details overlay

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account. ** Same page link to disclaimer

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. ** Same page link to disclaimer

Trip Cancellation/Interruption Insurance

You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations. ** Same page link to disclaimer

24/7 Fraud Monitoring

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card. * Opens offer details overlay

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance. ** Same page link to disclaimer

Travel and Emergency Assistance Services

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.) ** Same page link to disclaimer

** Same page link to disclaimer reference These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

Contactless - Just Tap To Pay

For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol. For more information, please see www.chase.com/contactless Opens in a new window .

Partner benefits

The best of your neighborhood. $0 delivery fee.

5% Cash Back on Lyft Rides

Instacart+ Benefit

Apply for a card, use it the same day.

Receive instant access to your card by adding it to a digital wallet, like Apple Pay ® , Google Pay ™ or Samsung Pay. Find out how at chase.com/digital/spend-instantly Opens in a new window .

Free credit score with Chase Credit Journey

Credit Journey provides you with personalized insights to help you build, monitor and protect your credit health. Access your weekly score for free anytime, and dive into our resources like our score simulator and score factor breakdown to understand where you stand. We'll alert you of any new activity on your credit report and usage, in order to help detect any potential fraud. * Opens offer details overlay We're here for you 24/7, 365 days a year if you ever need support, and we'll work together to help you get back on your feet.

My Chase Plan

For more information, please visit chase.com/mychaseplan Opens in a new window .

Offer Details

Offers may vary depending on where you apply, for example online or in a branch, and can change over time. to take advantage of this particular offer now, apply through the method provided in this advertisement. review offer details before you apply..

$200 Cash Back After You Spend $500 On Purchases In The First 3 Months From Account Opening: This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. You will receive 20,000 bonus points with this bonus offer, which can be redeemed for $200 cash back. To qualify and receive your bonus, you must make Purchases totaling $500 or more during the first 3 months from account opening. ("Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

Cash Back And Points: Rewards Program Agreement: For more information about the Chase Freedom Unlimited rewards program, view the latest Rewards Program Agreement (PDF) Opens in a new window . We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com/ultimaterewards Opens in a new window . Cash Back and Points: "Cash Back rewards" are the rewards you earn under the program. Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points. You may simply see "Cash Back" in marketing materials when referring to the rewards you earn. You may also see, "points" or "Ultimate Rewards points" when referring to the points you can use. How you can earn points: You'll earn points on purchases of products and services, minus returns or refunds, made with a Chase Freedom Unlimited credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 1.5% Cash Back: You'll earn 1.5% Cash Back rewards for each $1 spent. 3% Cash Back rewards total for each $1 spent on purchases in the following rewards categories: drugstores and dining at restaurants including takeout and eligible delivery services (1.5% additional Cash Back rewards on top of the 1.5% Cash Back rewards earned on each purchase). 5% Cash Back rewards total for each $1 spent on purchases made using your card through Chase Travel (3.5% additional Cash Back rewards on top of the 1.5% Cash Back rewards earned on each purchase). 5% total Cash Back on qualifying Lyft rides through 03/2025: You'll earn an additional 3.5% Cash Back for each $1 spent when your card is used for qualifying Lyft products and services purchased through the Lyft mobile application through 03/31/2025 . Qualifying Lyft products and services include rides taken in Classic, Shared, Lux, or XL modes; bike and scooter rides; and subscription and membership products. Purchase of gift cards, car rentals, vehicle service centers, miscellaneous fees, and other Lyft products and services are excluded from this promotion. Future Lyft products or services may not be eligible for additional Cash Back. You may see "5% Cash Back rewards" in marketing materials to refer to the 3.5% Cash Back rewards earned in addition to the 1.5% Cash Back rewards earned on all purchases. The additional 3.5% Cash Back rewards will appear on your billing statement in a separate line from the 1.5% Cash Back rewards. Lyft is not responsible for the provision of, or the failure to provide, Chase benefits or services. How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and pay with points for products or services made available through the program or directly from third parties. Redemption values for reward options vary. Points expiration/losing points: Your points don't expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window .

Amazon Shop With Points: When using points at checkout, each point is worth $0.008, which means that 100 points equals $0.80 in redemption value. Amazon.com Shop with Points service terms apply . Amazon, the Amazon.com logo, the smile logo, and all related logos are trademarks of Amazon.com , Inc. or its affiliates.

Zero Liability: Zero Liability Protection does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the Cardmember Services number on your card or billing statement.

Account Alerts: Delivery of alerts may be delayed for various reasons including technology failures and capacity limitations. There is no charge from Chase, but message and data rates may apply. Complimentary 3 months of DashPass/50% Discounted DashPass for 9 months: When the membership is activated for the first time by 12/31/2024 your Chase Freedom Unlimited account will receive 3 months of complimentary DashPass for use on both the DoorDash and Caviar applications during the same membership period based on the first activation date. After your complimentary period ends, you'll be automatically enrolled for 9 months at 50% off the then current monthly DashPass rate until you cancel. After the DashPass discounted period ends, you will continue to be enrolled and charged the then current monthly DashPass rate until you cancel. You can cancel anytime on DoorDash or Caviar. Membership will be registered in the name of the primary cardmember or an authorized user, whoever activates the benefit first. Membership period for the user on the Chase credit card account referenced above will begin and end based on when the first user activates the membership on DoorDash or Caviar. The same log in credentials must be used on DoorDash and Caviar in order for the DashPass benefit to be used on both applications. To receive the membership benefits, the primary cardmember and authorized user(s) must first add their applicable Chase credit card as a default payment method on DoorDash or Caviar, and then click the activation button. Once enrolled in DashPass, you must use your Chase Freedom Unlimited card for payment at checkout for DashPass-eligible orders to receive DashPass benefits. Benefits of DashPass include no delivery fee on orders above the minimum subtotal (as stated in the DoorDash and Caviar apps and sites) from DashPass-eligible merchants (amounts subject to change). However, other fees (including service fee), taxes, and gratuity on orders may apply. Current value of the DashPass membership is as of 04/01/2022. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. Mobile applications, websites and other information provided by DoorDash or Caviar are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, DoorDash or Caviar benefits and services. If you product change to another Chase credit card during the promotional period, your benefits may change. You may experience a delay in updating your applicable benefits in the DoorDash application; please note, once you product trade, the benefits from your previous credit card are no longer available for your use. Your applicable Chase credit card account must be open and not in default to maintain membership benefits. See full DoorDash terms and conditions at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US .

All deliveries subject to availability. Must have or create a valid DoorDash account. Qualifying orders containing alcohol will be charged a $0.01 Delivery Fee. No cash value. Non-transferable. See full terms and conditions at: help.doordash.com/consumers/s/article/offer-terms-conditions .

Complimentary Instacart+ Membership: You will receive one complimentary Instacart+ membership per eligible card account for 3 months (for Freedom, Freedom Unlimited, Freedom Flex, Freedom Student, Freedom Rise, Slate, and Slate Edge cardmembers) when the membership is activated on http://www.instacart.com/chase with an eligible card between 6/15/2022 and 7/31/2024. ("You" and "your" mean you as the primary cardmember or any authorized user, depending on which user activates first). This offer is non-transferrable . Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. Benefits of Instacart's membership include no delivery fee on orders that total over $35 (amount subject to change – see Instacart.com for current minimum); however, other fees, taxes, and/or tips may apply. Delivery subject to availability. If you do not currently have a paid or trial Instacart+ membership, by activating your Instacart+ membership, you agree to the Instacart+ Terms and you agree that after the complimentary Instacart+ membership period ends, you will be automatically enrolled in an annual Instacart+ membership and billed at $99/year or the then current annual Instacart+ membership rate for each membership activated, unless you have not placed any orders or you cancel during your complimentary Instacart+ membership period. If you currently have a paid or trial Instacart+ membership, you agree that your existing membership will be paused for the duration of this benefit and resume upon expiration. Your existing membership will automatically renew based on the Instacart+ Terms previously agreed upon unless you cancel. Your membership fees will be billed to any active payment method on file until you cancel. You can cancel your Instacart+ membership prior to the end of your complimentary Instacart+ membership period or at any time thereafter by selecting "Cancel Membership" in your Account Settings. Cancellation goes into effect during the next billing cycle. You may cancel within the first 15 calendar days of your paid Instacart+ membership and receive a refund of the Instacart+ membership fee you paid, but only if you have not placed any orders using your Instacart+ membership. If you change to another Chase credit card during the promotional period, your benefits may change. Mobile applications, websites and other information provided by Instacart are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Your complimentary membership benefits may be removed if your eligible credit card account is closed or in default.

Statement Credit on Instacart Purchases: Earn up to $10 per calendar quarter (for Freedom, Freedom Unlimited, Freedom Flex, Freedom Student and Freedom Rise cardmembers) in statement credits on qualifying Instacart purchases from 8/1/2022 through 7/31/2024 when you activate a complimentary Chase Instacart+ membership on Instacart.com/chase with your eligible Chase credit card. Calendar quarters are Jan – March, April – June, July – September, October – December, and the partial calendar quarters at the beginning and end of the promotional period. You can check the status of your enrollment in the Chase benefit within the Instacart+ section of the Instacart mobile app. You will continue to receive statement credit benefits regardless of whether you choose to renew your Instacart+ membership at the end of your complimentary period. Qualifying Instacart purchases include only those orders purchased by you, or an authorized user, with a Chase Freedom Unlimited credit card through Instacart.com or the Instacart mobile application (gift cards excluded). Statement credit(s) will post to your account within 48 hours of your qualifying Instacart purchase posting to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. Statement credits will be issued for the calendar quarter in which the transaction posts to your account. For example, if you pay for an Instacart order, but Instacart does not post the transaction until after the current calendar quarter ends, the cost of the Instacart purchase will be allocated towards the next calendar quarter's maximum, or will not qualify if the promotional period has ended. If you change to another Chase credit card during the promotional period, your benefits may change. Mobile applications, websites and other information provided by Instacart are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Accounts must be open and not in default at the time the statement credit posts to your account. My Chase Plan: An eligible purchase transaction for My Chase Plan is a purchase of at least $100, but may not include certain transactions, such as (a) cash-like transactions, (b) any fees owed to us, including Annual Membership Fees, and (c) purchases made under a separate promotion or special finance program. Eligible purchases will be identified within your transaction history on chase.com Opens in a new window or the Chase Mobile App. Chase Mobile App: Chase Mobile ® app is available for select mobile devices. Message and data rates may apply.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Chase Freedom Unlimited credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

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Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. Chase isn't responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name.

Chase Freedom Flex: Unique travel perks for a cash back card

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Key takeaways

• The Chase Freedom Flex is a unique cash back credit card that doubles as a great travel rewards card for those who know how to best take advantage of it.
• With no annual fee and the ability to redeem Chase Ultimate Rewards points for travel purchases, the Chase Freedom Flex can save you money without the added cost of carrying the card.
• Pairing the Chase Freedom Flex with other Chase credit cards can help you maximize your rewards and save even more.

While the Chase Freedom Flex℠ is marketed as a cash back credit card, there are several reasons for travel lovers to take another look. Not only does it offer a generous selection of travel insurance protections, but its rewards can be redeemed directly for travel, whether you have this card alone or you pair it with a premium travel credit card from Chase.

With its rotating bonus categories and generous rewards on everyday spending, the Freedom Flex can help anyone boost their rewards haul. If you want to earn travel rewards and don’t want to pay another annual fee for a credit card, read on to learn why this card may be exactly what you need.

Why the Chase Freedom Flex is a good card for travelers

Picking up a cash back card for travel may seem strange, but the Freedom Flex works well in different scenarios. Consider the following perks and benefits before you make it part of your travel rewards plan:

Travel rewards redemption

If you feel intimidated by the idea of redeeming your Chase points for travel, know that it’s quite simple. The Chase travel portal features buttons that take you to the booking pages for such travel categories as hotels, flights, travel activities, rental cars and cruises.

From there, Chase will show you how much your travel would cost in points. Here’s an example of how the portal displays your options if you search for a hotel in New York City for dates in January 2024.

You have the option to pay for your travel plans entirely with points, with a combination of points and credit card charges or entirely with your credit card. If you pay for all or part of your travel through Chase with your Freedom Flex card, you will earn 5 percent back on that spending.

Pairing with other Chase Ultimate Rewards cards

With the Freedom Flex, you can transfer rewards to a premium Chase travel credit card account for better travel redemptions. If you also have the Chase Sapphire Preferred® Card , for example, you could use each card for purchases in their respective bonus categories, and then move all your points to your Preferred account before you redeem.

This strategy would help you get 25 percent more value for your points if you redeem for travel through Chase. Separately, moving points to your Preferred card unlocks the option to transfer rewards to Chase’s airline and hotel partners , so you can take advantage of their rewards points or miles instead. Those programs include British Airways Avios, United Airlines MileagePlus, JetBlue TrueBlue, Marriott Bonvoy and World of Hyatt.

Pairing the Freedom Flex with a premium card should also help you avoid foreign transaction fees. Since the Freedom Flex comes with a 3 percent foreign transaction fee, you can use it to earn rewards points and use another travel card to pay for purchases while abroad.

Travel insurance

The Freedom Flex comes with a generous amount of travel insurance for a cash back credit card. Perks you’ll qualify for include trip cancellation and interruption insurance worth up to $1,500 per passenger and $6,000 per trip, secondary auto rental coverage and travel and emergency assistance services.

And remember, these benefits are offered free of charge for cardmembers.

With that said, you can get even more travel insurance protections with a premium Chase travel card. With the Chase Sapphire Reserve® , for example, you get higher-value trip cancellation and interruption insurance, primary auto rental coverage, trip delay reimbursement, emergency evacuation and transportation coverage, baggage delay insurance, travel accident insurance, roadside assistance and more.

Additional perks of the Chase Freedom Flex

In addition to being a great travel rewards card, The Chase Freedom Flex is still a popular, well-rounded cash back credit card . Not only can you earn a high rate of rewards for each dollar you spend, but you can redeem your rewards in several different ways aside from just travel.

Chase Freedom Flex

Card highlights.

• Welcome bonus: $200 cash bonus when you spend $500 within three months of account opening
• Intro APR: 0 percent intro APR on purchases and balance transfers for 15 months, followed by a variable APR of 20.49 percent to 29.24 percent
• Intro balance transfer fee: 3 percent of the amount of each transfer with a $5 minimum, followed by 5 percent of the amount of each transfer with a $5 minimum after the 60-day intro period
• Annual fee: $0

More ways to earn rewards

The Chase Freedom Flex is unique in that it offers rotating bonus categories and bonus rewards in several everyday spending categories. Here’s the card’s current rewards structure:

• 5 percent cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1 percent)
• 5 percent back on Chase Ultimate Rewards travel purchases
• 5 percent back on Lyft rides (through March 2025)
• 3 percent back on dining and drugstore purchases
• 1 percent back on everything else

While Chase Freedom Flex categories can change over time, they frequently include options like gas stations, home improvement stores, Walmart and PayPal purchases and more. The 5 percent category for Chase Ultimate Rewards travel purchases is also pretty broad and can include airfare, hotels, rental cars and day trip activities.

More ways to redeem rewards

While the Freedom Flex is a cash back credit card at heart, the rewards you earn are actually Chase Ultimate Rewards points . This distinction is part of what makes the Freedom Flex such a great travel rewards card. The points you earn are typically worth 1 cent each, so the $200 welcome bonus, for example, would be worth 20,000 points.

In addition to redeeming your rewards for travel through the Chase Travel portal, the program lets you redeem your rewards for cash back or statement credits. You also have the options to redeem your points for things like gift cards and merchandise.

Should you get the Chase Freedom Flex for travel purchases?

Considering the Freedom Flex offers generous rewards in everyday categories, you can’t really go wrong. If your spending lines up with the card’s highlighted categories, then you’ll be able to rack up the rewards points pretty easily.

The Freedom Flex is an even better choice for current Chase customers who have a premium travel credit card they can pair it with. When you have a few different Chase credit cards, or even better, the Chase trifecta , you get bonus rewards in more categories, all the best redemption options and the best selection of travel protections, all at once.

The bottom line

The Chase Freedom Flex is an excellent credit card for people who travel occasionally and want some basic travel protections, as well as for those who travel all the time and want a way to boost their travel rewards haul. Plus, with no annual fee , it costs nothing to add it to your wallet and take advantage of its high rewards rates.

Issuer-required disclosure statement Information about the Chase Freedom Flex℠ has been collected independently by Bankrate. Card details have not been reviewed or approved by the issuer.

Citi Double Cash vs. Chase Freedom Flex

Is the Chase Freedom Flex worth it?

Chase Freedom Flex review: Plenty of value packed into one card

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Credit Cards

Chase Freedom Flex benefits guide 2024

Julie Sherrier

Allie Johnson

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Published 5:26 a.m. UTC April 3, 2024

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Shavel Ludmila, Getty Images

The Chase Freedom Flex℠ * The information for the Chase Freedom Flex℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is often listed as one of the top cash-back credit cards, offering an easy-to-earn welcome bonus, a generous introductory APR on both purchases and balance transfers and the ability to earn 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores and 1% cash back on all other purchases. Learn how to make the most of this card in our Chase Freedom Flex benefits guide.

Chase Freedom Flex overview

The Chase Freedom Flex is consistently ranked as one of the best cash-back credit cards on the market. In addition to its great rewards rates, this card comes with a generous intro APR for purchases and balance transfers as well as an easy-to-earn welcome bonus all for no annual fee. This card is best for those who don’t mind having to opt into bonus categories that change every quarter.

The Chase Freedom Flex is one of three available Freedom cards, including the Chase Freedom Unlimited® and the Chase Freedom Rise℠ * The information for the Chase Freedom Rise℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . The Freedom Flex card is the upgraded version of the old Chase Freedom card, which is no longer available to new applicants. All three cards earn cash-back rewards that are tracked as points and can be redeemed for statement credits, cash, travel or gift cards or transferred to eligible Chase Ultimate Rewards® -earning cards, such as the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve® , which both boost the value of points when redeemed for travel purchases through Chase Travel℠.

The Chase Freedom Flex earns 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores and 1% cash back on all other purchases. Previous quarterly categories have included grocery stores, Target, gym memberships, Lowe’s, Amazon.com, gas, wholesale clubs, charities and PayPal, among others. The new categories are announced a few weeks prior to the new quarter and cardholders must opt in each time to earn that elevated rate.

Major Chase Freedom Flex benefits

The Chase Freedom Flex has many notable features. Let’s take a look.

Attainable welcome offer

With the Chase Freedom Flex, new cardholders can earn $200 bonus after spending $500 on purchases in the first three months of account opening. This is a very attainable spending requirement compared to other top credit cards that may require a minimum spend in the thousands of dollars before you can earn their welcome bonuses.

Decent intro APR offers on purchases and balance transfers

If you’re planning a big purchase that you’d like to finance for more than a year or if you need to transfer a high-APR balance , know that the Chase Freedom Flex offers 0% intro APR for the first 15 months on purchases and balance transfers, then a variable APR of 20.49% to 29.24%. There is an intro balance transfer fee of either $5 or 3% of each transfer, whichever is greater, in the first 60 days. Then the fee is the greater of $5 or 5% of each transfer.

Rewards varied spending categories

Cardholders have the ability to earn 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores and 1% cash back on all other purchases. Each $1 in cash-back rewards is equal to 100 points. Points can be redeemed as cash, gift cards, travel or by paying with points at select merchants.

Several insurance and travel benefits

When you use your Chase Freedom Flex card for travel reservations, you’ll have access to travel insurance for trips canceled or cut short for illness, severe weather or other eligible situations. You can be reimbursed for up to $1,500 per person and $6,000 per trip for prepaid, non-refundable fares.

Cardholders also can get secondary rental car insurance against damage or theft when using their card to pay for the reservation. Finally, you’ll be able to access Chase’s travel and emergency assistance services for referrals while traveling, though you’ll have to pay for any services or medical treatment you need. 

Pay over time

If you’d like to break up the cost of a purchase costing $100 or more into monthly payments, you can opt to enroll that purchase in My Chase Plan® for a fixed monthly fee of 1.72% of the amount of each eligible purchase transaction (or an amount you choose) instead of being charged interest. Your purchase amount will then be divided into equal monthly payments ranging from three months to two years based on the purchase amount.

Additional benefits worth noting

Cellphone protection.

When you use your Chase Freedom Flex to pay your monthly cellphone bill, you can qualify for up to $800 per claim and $1,000 per year in cellphone protection, which covers against theft or damage. Just know there is a maximum of two claims per 12-month period and a $50 deductible applies for each claim.

5% cash back on Lyft rides

Cardholders who pay for Lyft rides through the Lyft app with their Chase Freedom Flex will receive a total of 5% cash back on qualifying rides through March 31, 2025. 

Discounts on DashPass, DoorDash and Caviar

You can get a complimentary three months of DashPass if you activate a membership for the first time by December 31, 2024 with your card as the payment method. Once that time is up, you’ll get 50% off your membership for the next nine months. 

Complimentary Instacart+ membership

To receive a complimentary Instacart+ membership for three months, you’ll need to visit instacart.com/chase to sign up with your Chase Freedom Flex by July 31, 2024. Once the complimentary membership expires, you’ll be billed the regular Instacart+ membership fee of $99 a year or $9.99 a month unless you cancel. When enrolled, you’ll also earn up to $10 in statement credits each quarter through July 31, 2024 on eligible Instacart purchases with the card.

Additional protection and warranty on purchases

When using your Chase Freedom Flex, you’ll automatically get purchase protection on new purchases for 120 days against damage and theft. You can apply for up to $500 per claim and $50,000 per account.

If a purchase comes with a U.S. manufacturer’s warranty of three years or less, you’ll also get an additional year on eligible warranties, providing extra peace of mind for larger purchases.

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Chase Sapphire Reserve®

Welcome bonus.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Travel℠.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s Take

• Up to $300 annual travel credit and Priority Pass Select lounge access.
• Redeem points for 50% more value to book travel through Chase Travel ℠ .
• Transfer points 1:1 to partners such as United Airlines and World of Hyatt.
• High annual fee.
• Not ideal if you aren’t interested in transferring points.
• May not qualify if you’ve applied for 5 or more credit cards in the last 24 months.

Card Details

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
• Member FDIC

Frequently asked questions (FAQs)

Yes, the Chase Freedom Flex offers trip cancellation/interruption insurance up to $1,500 per person and $6,000 per trip for non-refundable prepaid fares in case your trip is canceled or cut short by severe weather, sickness or other covered situations.

No, the Chase Freedom Flex does not have hidden fees. However, the card agreement plainly states that there is a $40 late or returned payment fee, a foreign transaction fee of 3% of each transaction in U.S. dollars, an intro balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater, in the first 60 days (then $5 or 5% of the amount of each transfer, whichever is greater) and a monthly fee of 1.72% instead of interest for eligible purchases enrolled in the My Chase Plan. It’s always wise to check the pricing and terms page before applying for a new credit card.

No, you cannot use the Chase Freedom Flex at Costco as it is a Mastercard. Costco only accepts Visa cards as well as most debit/ATM cards.

Yes, the Chase Freedom Flex offers trip cancellation/interruption insurance where you can get reimbursed for up to $1,500 per person and $6,000 per trip for a non-refundable prepaid fare in certain situations.

The Chase Freedom card was replaced by the Chase Freedom Flex and is no longer available to new applicants. That said, the original Chase Freedom card offered a similar 5% cash back in rotating categories (on up to $1,500 in combined spending each quarter), but only 1% cash back on all other purchases. There are two other Chase Freedom cards: the Chase Freedom Unlimited and the Chase Freedom Rise (for students and those new to credit). Check out our list of the best Chase cards to see which may be best fit for your budget and lifestyle.

*The information for the Chase Freedom Flex℠ and Chase Freedom Rise℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Julie Stephen Sherrier is a personal finance writer and editor based in Austin, TX. She is the former senior managing editor for LendingTree, responsible for all credit card and credit health content. Before joining LendingTree, Julie spent more than a decade as the managing editor and then editorial director at Bankrate and CreditCards.com. She also served as an adjunct journalism instructor at the University of Texas at Austin.

Allie is a journalist with a passion for money tips and advice. She's been writing about personal finance since the Great Recession for online publications such as Bankrate, CreditCards.com, MyWalletJoy and ValuePenguin. She's also written personal finance content for Discover, First Horizon Bank, The Hartford, Travelers and Synovus.

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Using Chase Trip Cancellation Coverage

Update: Some offers mentioned below are no longer available. View the current offers here .

As I mentioned on Friday, we had to cancel our planned trip to present at the Chicago Seminars at the last minute due to Baby S getting hit with her first virus and upper respiratory gunk. As with most airfare, our tickets were "non-refundable" and as such we would pretty much be out the $800+ for the three round trip tickets for my mom, my little one, and myself. There are many reasons I couldn't just fly by myself and leave the baby at home including I wouldn't be comfortable as the mom being away from my sick and not-quite-3 month old baby, but also the little stinker won't even take a bottle right now so I'm her sole food source.

Even if the money we spent on the airline tickets all went to waste, we had to stay home with Baby S so it was an easy call, but I would certainly prefer to recoup as much of that expense as possible. Thankfully I learned years ago to pay attention to which credit cards I use for airfare purchases so that I have built-in trip interruption and cancellation coverages for unexpected surprises without having to purchase separate trip insurance. This is important across the board, but when you have babies and little kids who inevitably will get numerous illness in their first few years it is virtually essential. Many Chase credit cards have similar protections, but the purposes of this post I will quote from the Chase Sapphire Preferred® Card Benefit's Guide since it is a very good all around travel credit card that I think many of us have.

Details of Chase Trip Cancellation Insurance:

With the Chase Sapphire Preferred® Card, Trip Cancellation Insurance will reimburse you or your immediate family members up to $5,000 for each covered trip if a covered loss prevents you from departing on your trip and results in cancellation of travel arrangements if you charged a "portion of the cost for the travel arrangements to your account". In this case the covered loss we are using is "Accidental Bodily Injury, Loss of Life, o r Sickness experienced by you, a Traveling Companion, or an Immediate Family Member of you or a Traveling Companion." Bolding mine.

It also says that if a physician has advised that making the covered trip is medically inadvisable, you must immediately notify the appropriate travel supplier that you are cancelling your travel arrangements. If you don't notify the supplier, the company's reimbursement will not exceed the cancellation penalties imposed during the period by the supplier and in effect forty-eight (48) hours immediately following your receipt of advice from your Physician that travel is not advisable.

So, we used the Chase credit card to purchase the airfare, we have a sick immediate family member, and we cancelled the flights right after learning she should not fly based on her doctor's advise. Check, check, check, and so far so good. I'm still in the middle of the claim process, but I wanted to share which documents the company has requested thus far in case you are faced with a similar situation. Most of the items requested are easily obtained and pretty common sense, but there are a few curve balls in the process that I wasn't totally expecting.

Documents Needed to Utilize Trip Cancellation Coverage:

• Confirmation of the non-refundable amounts for the unused Common Carrier tickets, and/or travel vouchers;
• Confirmation that the tickets were cancelled with the Common Carrier;
• Copy of the travel itinerary showing the passenger names and ticket cost;
• Confirmation of the reason for the trip cancellation; (Completed attached physician statement, confirmation of death of immediate family member or documentation confirming any other cause of loss);
• Please complete and return the Trip Cancellation claim form attached below;
• A copy of the cancellation or refund polices of the Common Carrier, Tour Operator, or Travel Supplier;
• A copy of the credit card statement which shows that the purchase of the Common Carrier ticket was charged to your credit card; (We must be able to see the first six digits of the credit card number and the pre-printed accountholder name and address. However, for security purposes we suggest that you block or remove the remaining digits of your card number.).

I had taken Baby S both to urgent care and to her pediatrician in the 24 hours before making the claim because I was worried about her and wanted her checked out by a physician, but since I knew I would probably need some sort of documentation of her illness I had her pediatrician write a brief note while I was there indicating the date, the illness, and that she cannot fly in her condition. I was hoping that would be sufficient documentation, but it seems there is a specific form that the physician needs to complete. I really hope what I have will suffice as I hate to go back to the doctor's office if I don't have to, but here are the sections on the form that the physician is asked to complete.

Physician's Form for Trip Cancellation Coverage:

Date of accident, injury or illness: ____/____/____ (MM/DD/YY)

Date of first treatment or onset: ____/____/____ (MM/DD/YY)

Please describe the nature of the patient's injuries or illness:

_____________________________________________________________________________

Was this a referral from another doctor? YES / NO

If yes, date of referral: ____/____/____ (MM/DD/YY)

Was the patient hospitalized? YES / NO

If yes, please list the names and location of all hospitals and all admission/discharge dates:

Hospital Name Location Adm. Date Dis. Date

__________________________ _____________________ ___________ __________

Was the patient recommended by you to curtail their trip/travel due to this condition?

If yes, travel restriction dates advised:

____/____/____ (MM/DD/YY) to ____/____/____ (MM/DD/YY)

Did this travel restriction affect any other family members or travel companions? YES / NO

If yes, why did family member/travel companion need to curtail their travel? _____________________________________________________________________________

Did the patient have any condition (including pregnancy) prior to trip booking that contributed to their present condition? YES / NO

If yes, please describe:__________________________________________________________

______________________________________________________________________

For pregnancy: EDC: ____________________________

If yes, at what date did patient originally begin treatment with this previous condition: ___________________________________________________________________

If yes, was the patient's previous condition stable at least 60 days prior to booking the trip? YES / NO

Please describe: _________________________________________________________

_______________________________________________________________________

Putting the Trip Cancellation Claim Together:

It will take a little time to put all this requested information together and send it back to the company, in this case a Claim Benefit Services operated by Broadspite, a Crawford Company. You can scan in the documents and upload them to a website or just mail them in the old fashioned way. I'm hopeful that all will go well and within a few weeks we will have a check for the value of the cancelled airfare since that amount is well under the covered maximum. I'll be sure to update when the process is over, or if I hit any unexpected road blocks in the process. Fingers crossed our little one is healthy in time for our next trip or we'll be working on yet another trip cancellation claim...

Have you ever used built-in trip cancellation coverage from one of your credit cards? Do you pay attention to the coverages provided by your cards when booking trips?

1. It offers flexible rewards

2. chase has my preferred travel partners, 3. it covers restaurant purchases, 4. $50 hotel credit, 5. no foreign transaction fees, and one thing i wish it did include, the bottom line, 5 reasons why the chase sapphire preferred should be your next card.

This affordable card has some extra perks worth checking out, especially with travel season on the horizon.

Evan Zimmer

Staff Writer

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.

Tiffany Connors

Tiffany Wendeln Connors is a senior editor for CNET Money with a focus on credit cards. Previously, she covered personal finance topics as a writer and editor at The Penny Hoarder. She is passionate about helping people make the best money decisions for themselves and their families. She graduated from Bowling Green State University with a bachelor's degree in journalism and has been a writer and editor for publications including the New York Post, Women's Running magazine and Soap Opera Digest. When she isn't working, you can find her enjoying life in St. Petersburg, Florida, with her husband, daughter and a very needy dog.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

For a while now I’ve been searching for a travel credit card to add to my repertoire of cards. Recently, I chose the Chase Sapphire Preferred® Card to fill that role. While there were other options I considered (looking at you, Wells Fargo Autograph Journey℠ Card *), in the end, the Sapphire Preferred offered everything I was looking for, with one exception.

The biggest draw to the card, for me, was its rewards program. Primarily, its 5x points for travel booked through the Chase Travel℠ portal, and 1:1 point transfer rate to Chase’s hotel and airline partners.

I like that it provides a lot of choices when it comes time to redeem. You can either redeem for travel directly through Chase Travel to earn a 25% bonus or transfer your points to Chase’s travel partners. You could also redeem for statement credits, but then you’d miss out on considerable value.

When you use point transfers, you could even find a greater per-point value than if you chose to opt for Chase’s redemption bonus . And luckily, Chase is partnered with some great options , including brands that I fly with or stay with often, like United, Southwest and JetBlue. They also partner with IHG Hotels, Marriott Bonvoy and World of Hyatt.

When you transfer points to any of its partners, you’re guaranteed a 1:1 transfer rate. But that’s just the floor -- oftentimes, you’ll get an even higher per-point value when you move your points to a partner’s program.

Before applying for the Sapphire Preferred, I had two go-to credit cards -- the Blue Cash Preferred® Card from American Express * and the Wells Fargo Active Cash® Card . That left a glaring hole in the purchases that earned a good rewards rate -- dining.

By adding the Sapphire Preferred to my wallet, I’ll earn a return on all of my frequent purchases -- groceries, gas, travel, dining and everything else.

One of the card’s better perks is its $50 annual hotel credit for stays booked through Chase Travel. If you can use that every year, it essentially knocks off $50 from the card’s $95 annual fee.

Paying essentially $45 each year (after using the credit) is a pretty great deal for how valuable the card’s rewards could likely be.

This isn’t unique to the Sapphire Preferred (none of the best travel credit cards charge foreign transaction fees), but it factored into my decision nonetheless. I have some international travel coming up, and being able to put everything on one card without worrying about incurring any additional fees will make it a bit easier to budget.

The card checks all of my boxes, aside from one. I was hoping to get an application fee credit for TSA PreCheck or Global Entry . I often look at the shorter TSA PreCheck lines from the meandering, snake-like TSA line with envy.

However, if you do want everything the Sapphire Preferred offers (and then some) you could upgrade to the Chase Sapphire Reserve® . It offers cardholders up to $100 in statement credits for the application cost of TSA PreCheck or Global Entry.

And not only does it include the benefits listed above, but it also improves on the Sapphire Preferred’s annual travel credit. Instead of a $50 credit, the Sapphire Reserve features a $300 annual travel credit. The catch is it also charges a $550 annual fee.

The annual travel credit and TSA PreCheck/Global Entry application fee essentially drop the annual cost to $150. Depending on how much use I get from the Sapphire Preferred, I may upgrade to the Sapphire Reserve.

Chase Sapphire Preferred® Card

Chase Sapphire Reserve®

The Carlton, Moscow

A luxury Red Square hotel «The Carlton, Moscow» promises guests a front-row seat to Moscow, only steps away from the city’s invigorating riches. The breadth of experiences is amplified by newly transformed spaces, guest rooms and suites that celebrate the finest of Russian design and craftsmanship. Sip a pre-dinner cocktail at the Champagne Bar, savor seafood delights on the rooftop O2 Restaurant or slip into the serenity of our Spa.

Grand Deluxe

Club Room with Terrace

Club Room with a view of Red Square

Moscow Suite

Presidential Suite

Imperial Suite

Romance package

Family Journey

Earn miles with Aeroflot Bonus

Travel and enjoy new privileges of the partnership between The Carlton, Moscow and Aeroflot Bonus program

Save 10% on accommodation from 2 nights

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Save 20% on accommodation from 7 nights

Birthday Celebration in The Carlton, Moscow

Extend your Weekend

The Carlton Spa

Discover a delightful and unexpected oasis of tranquility and beauty in the heart of Moscow at The Carlton Spa.

O2 Restaurant

The landmark rooftop restaurant, bar and terrace located atop The Carlton, Moscow in the center of the city.

The Carlton Club Lounge

The Carlton, Moscow invites guests who are in search of a high level of privacy and comfort to enjoy the exquisite luxury of the Club Floor.

The Carlton Lounge & Bar

The Carlton Lounge & Bar invites for afternoon tea ceremonies, cocktail classics and a signature menu for every taste.

Champagne Bar

Take a deep dive into a carefully curated collection of vintage Champagne paired with caviar bites in the sophisticated Champagne Bar.

Weddings inspired by Russian Elegance

Wedding in The Carlton style for your perfect celebration in the heart of the city.

From its location in the heart of Moscow’s business district, The Carlton, Moscow offers a comprehensive approach to meetings.

Wedding with a magnificent view

A true fairytale wedding in a magical and romantic location awaits you on the 12th floor of the hotel.

Address: 125009, Russia, Moscow, Tverskaya Street, 3

Coordinates: 55.7574,37.6133

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4 Things to Know Before Getting the Chase Freedom Flex

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Looking for a $0 -annual fee credit card with rewarding bonus spending categories? Look no further than the Chase Freedom Flex℠ , a solid Chase travel card for beginners that offers up to 5% in bonus reward categories that change every three months.

But before you apply, consider those rotating categories, how to get the most out of your rewards and the all-important Chase 5/24 rule — which limits the number of personal credit cards you can open within a two-year period. Here are a few things you should know before getting the Chase Freedom Flex℠ credit card.

About the Chase Freedom Flex℠

This card has a tempting bonus offer for new cardmembers: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Plus, you can earn 5% cash back on up to $1,500 in bonus categories each quarter that you activate those categories, 5% on travel purchased through Chase Ultimate Rewards®, 3% on dining and delivery services, 3% on drugstore purchases, and 1% on everything else.

Combine all that with a $0 annual fee and flexible rewards that don’t expire as long as your account is open. It's a solid card for newbies, which introduces them to Chase Ultimate Rewards®.

» Learn more: How to redeem Chase Ultimate Rewards®

What to know before getting the Chase Freedom Flex℠

Not everyone can make the most of this card’s unique benefits. Here are four things you should know before you apply.

1. How to activate bonus categories every quarter

Chase Freedom Flex℠ features a set earning rate in most spending categories. But there are also bonus spending categories that pay up to 5% cash back — if you activate them in time. These categories change every quarter.

The trick is remembering to manually activate bonus categories before the activation deadline and understanding what bonus categories are open at any given time. Fortunately, Chase publishes a cash-back calendar for this card so you can plan some of your spendings to earn more in each quarter.

For example, the 2021 bonus calendar was:

January–March: Wholesale clubs; internet, cable, and phone services; and select streaming services.

April–June: Gas stations and home improvement stores.

July–August: Select streaming services and grocery stores (not including Walmart and Target).

October–December: Purchases made using PayPal at Walmart.

Again, you have to manually activate each bonus category before the deadline to earn the 5% cash back. There are several ways to do so:

Visit www.chase.com/ultimaterewards or chase.com/freedomflex and follow the steps.

Get notified by email and activate with one click. Ensure the email address associated with your online account is up to date.

Use the Chase Mobile app.

Call the number on the back of your card.

Visit any Chase bank and have a personal banker activate for you.

If you're a Chase checking customer, use an ATM and activate it while making a cash withdrawal.

Some might consider this an annoying extra step, but it's worth it to earn more cash back.

If you have multiple Chase Freedom cards, you'll have to activate bonus categories on each one individually.

2. How to get the most out of your points

There's no minimum when it's time to redeem your cash-back rewards, and you can redeem them for a statement credit or have them deposited into your checking account (points are worth 1 cent apiece).

You can even book travel through Chase Ultimate Rewards®, an option made even more valuable if you also have a card like the Chase Sapphire Preferred® Card . That’s because you can transfer the rewards you earned with the Chase Freedom Flex℠ to your Chase Sapphire Preferred® Card account and use them to book and pay for travel through Chase's travel portal where points are worth 25% more.

Alternatively, you can redeem rewards for gift cards or link your Chase Freedom Flex℠ card to your Amazon account and use rewards to pay for all or part of your purchases. Keep in mind that these are the least valuable redemption options, as your points will be worth about 0.8 cents a piece on Amazon.

» Learn more: 4 best credit card combinations to maximize rewards

3. How to win with the "Chase Trifecta"

If you want to earn the most points and rewards possible, consider using the Chase Freedom Flex℠ credit card along with the two other cards that make up the Chase trifecta .

Start by applying for three complementary cards, including one like the Chase Freedom Flex℠ that offers bonus category spending, a card like the Chase Sapphire Preferred® Card that offers more earning potential on non-bonus category spending and a card like the Chase Freedom Unlimited® that offers a flat 1.5x rewards rate for other purchases.

Then spend strategically. Use the Chase Freedom Flex℠ for bonus category purchases, the Chase Sapphire Preferred® Card for purchases such as travel not booked through Chase's travel portal and the Chase Freedom Unlimited® for anything you’d only get 1x rewards for on the other cards.

When it’s time to redeem your rewards, transfer them all to the account that offers a redemption bonus. The Chase Sapphire Preferred® Card , for example, rewards cardmembers with a 25% bonus when you redeem points for travel through Chase.

You might consider upgrading your Chase Sapphire Preferred® Card for the Chase Sapphire Reserve® . Though the card comes with a $550 annual fee, it gets you a 50% boost on travel booked in the portal.

4. The Chase 5/24 rule

Just be sure to keep in mind Chase's 5/24 rule , which isn't published anywhere on Chase's website but stipulates that Chase credit card applicants must have fewer than five approvals for credit cards within the last 24 months to be approved for another. So if your goal is to apply for multiple cards, space those applications out.

The bottom line

If you don’t mind a card that requires a bit more hands-on attention than a card that offers flat, possibly less lucrative rewards, the Chase Freedom Flex℠ might be a good card for you. Just be sure to activate your bonus spending categories every quarter and consider pairing it with another Chase credit card (or two) for ultimate earning and redeeming potential.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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Courtyard By Marriott Moscow City Center

• Fitness/Gym
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Tourist attractions in

• State Museum of Oriental Art  - 350 m
• Elephant Sculpture  - 350 m
• National Konservatorium  - 250 m
• Alexander Garden  - 900 m
• Temple of the Resurrection  - 150 m
• "Arbat" in Moskau  - 650 m
• Cathedral of Christ the Saviour  - 1.5 km
• The Kremlin  - 1.1 km
• Memorial Plaque to S.M. Mikhoels  - 450 m
• Fontain Rotunda Natalya and Aleksandr  - 450 m
• Sheremetyevo International  - 30 km
• Belorussky Train Station  - 2.6 km

Prices & Availability

• Safe deposit box
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• Electric kettle
• Exercise gym

Room Comforts

• Sitting area
• Ironing facilities
• Free toiletries
• Flat-screen TV
• AM/FM alarm clock
• Carpeted floor
• ✈ What is the closest airport to Courtyard By Marriott Moscow City Center Hotel? The nearest airport is Sheremetyevo International and it is located within 32 minutes' drive.
• 📱 Does Courtyard By Marriott Moscow City Center Hotel provide any facilities for business guests? Courtyard By Marriott Moscow City Center Hotel provides a photocopy machine and a work desk for business guests.
• 🌇 What's the distance between Courtyard By Marriott Moscow City Center Hotel and the city centre? Courtyard By Marriott Moscow City Center Hotel is placed within just 10 minutes' walk from Moscow city centre.
• 🍜 What restaurants does Courtyard By Marriott Moscow City Center Hotel feature? Courtyard By Marriott Moscow City Center Hotel features Terraneo and Flat Iron Bar & Roadhouse restaurants.
• 🕌 What popular landmarks can we find near Courtyard By Marriott Moscow City Center? Popular landmarks you will find near Courtyard By Marriott Moscow City Center include Moscow Conservatory as well as Tverskaya Street.
• ❓ Where is Courtyard By Marriott Moscow City Center situated? Courtyard By Marriott Moscow City Center lies next to Tverskaya Street.
• 🍹 What restaurants near Courtyard By Marriott Moscow City Center Hotel are recommended? Guests can go to a nearby restaurant Share for a taste of European and Mediterranean cuisine.
• ❓ What payment methods are available in Courtyard By Marriott Moscow City Center Hotel? At Courtyard By Marriott Moscow City Center Hotel you can pay using Visa, American Express and Mastercard.
• 💵 How much does it cost to stay at Courtyard By Marriott Moscow City Center Hotel? The price for a room at Courtyard By Marriott Moscow City Center Hotel starts at $120.
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A History of Moscow in 13 Dishes

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Moscow-City: 7 surprising facts about the Russian capital’s business center

1. Guinness World Record in highlining

The record was set in 2019 by a team of seven athletes from Russia, Germany, France and Canada. They did it on September 8, on which the ‘Moscow-City Day’ is celebrated. The cord was stretched at the height of 350 m between the ‘OKO’ (“Eye”) and ‘Neva Towers’ skyscrapers. The distance between them is 245 m. The first of the athletes to cross was Friede Kuhne from Germany. The athletes didn't just walk, but also performed some daredevil tricks. Their record is 103 meters higher than the previous one set in Mexico City in December 2016.

2. Domination of Europe's top-10 highest skyscrapers

7 out of 10 Europe’s highest skyscrapers are located in Moscow-City. Earlier, the  ‘Federation Tower’ complex’s ‘Vostok’ (“East”) skyscraper was the considered the tallest in Europe.

Left to right: the lower of the ‘Neva Towers’ (296 m), Commerzbank Tower in Frankfurt (300 m), Gorod Stolits (“City of Capitals”) Moscow tower (302 m), Eurasia tower (309 m), The Shard’ skyscraper in London (310 m), Mercury City Tower (339 m), Neva Towers (345 m).

However, in 2018, the construction of the 462 meter tall ‘Lakhta Center’ in Saint-Petersburg was completed, pushing ‘Vostok’ (374 m) into 2nd place. The 3rd place is taken by OKO’s southern tower (354 m).

3. The unrealized ‘Rossiya’ tower

If all the building plans of Moscow-City were realized, the ‘Lakhta Center’ in St. Petersburg wouldn't have a chance to be Europe's highest skyscraper. Boris Tkhor, the architect who designed the concept of Moscow-City, had planned for the ‘Rossiya’ tower to be the tallest. In his project, it was a 600 meter tall golden cylindrical skyscraper ending with a spire that was inspired by traditional Russian bell towers. Then, the project was reinvented by famous British architect Sir Norman Foster. He had designed ‘Rossiya’ as a pyramid ending with a spire. The skyscraper itself would have been 612 meters tall, and the height including the spire would have reached 744,5 meters (for comparison, the ‘Burj Khalifa’ in Dubai, UAE, would have been just 83,5 meters taller). Unfortunately, the investors faced a lot of economic problems, due to the 2008 financial crisis, so the ‘Rossiya’ skyscraper was never built. A shopping mall and the ‘Neva Towers’ complex was constructed at its place in 2019.

4. Changed appearance of ‘Federation Tower’

In its first project, the ‘Federation Tower’ was designed to resemble a ship with a mast and two sails. The mast was to be represented by a tall glass spire with passages between the towers. It was planned to make a high-speed lift in it. The top of the spire was going to be turned into an observation deck. But the ship lost its mast in the middle of its construction. Experts at the Moscow-city Museum based in the ‘Imperia’ (“Empire”) tower say, that the construction of the spire was stopped, firstly, due to fire safety reasons and secondly, because it posed a threat to helicopter flights – the flickering glass of the spire could potentially blind the pilots. So, the half-built construction was disassembled. However, an observation deck was opened in the ‘Vostok’ tower.

5. Open windows of ‘Federation Tower’

We all know that the windows of the upper floors in different buildings don’t usually open. Experts say that it’s not actually for people’s safety. Falling from a big height is likely to be fatal in any building. The actual reason is the ventilation system. In a skyscraper, it’s managed with a mechanical system, and the building has its own climate. But in the ‘Zapad’ (“West”) tower of the ‘Federation Tower’ complex, the windows can open. The 62nd and last floor of the tower are taken up by a restaurant called ‘Sixty’. There, the windows are equipped with a special hydraulic system. They open for a short period of time accompanied by classical music, so the guests can take breathtaking photos of Moscow.

6. Broken glass units of ‘Federation Tower’

The guests of the ‘Sixty’ restaurant at the top of the ‘Zapad’ tower can be surprised to see cracked glass window panes. It is particularly strange, if we take into consideration the special type of this glass. It is extremely solid and can’t be broken once installed. For example, during experiments people threw all sorts of heavy items at the windows, but the glass wouldn’t break. The broken glass units of ‘Zapad’ were already damaged during shipment . As each of them is curved in its own way to make the tower’s curvature smooth, making a new set of window panes and bringing them to Russia was deemed too expensive . Moreover, the investors had financial problems (again, due to the 2008 financial crisis), so the ‘Vostok’ tower even stood unfinished for several years. Eventually, the cracked window panes were installed in their place.

7. The highest restaurant in Europe

‘Birds’, another restaurant in Moscow-City, is remarkable for its location. It was opened at the end of 2019 on the 84th floor of the ‘OKO’ complex’s southern tower. Guests at the restaurant can enjoy an amazing panoramic view at a height of 336 meters. On January 28, the experts of ‘Kniga Recordov Rossii’ (“Russian Records Book”) declared ‘Birds’ the highest restaurant in Europe, a step toward an application for a Guinness World Record.

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