Best ways to use Chase Freedom Flex points
The Chase Freedom Flex earns Chase Ultimate Rewards points. Here's how to use them well — transfer partners, sweet spots, and when it's worth holding the card.
Card snapshot
Issuer
Chase
Program
Chase Ultimate Rewards
Annual fee
$0
Earning rates
- 5× on rotating quarterly categories (up to $1,500/quarter)
- 5× on travel via Chase Travel
- 3× on dining
- 3× on drugstores
- 1× on everything else
Top benefits
- No annual fee
- Earns fully transferable Ultimate Rewards when paired with a premium UR card
- Cell phone protection
Best ways to use the points
- 5× rotating categories usually include gas stations, Amazon, grocery, PayPal — easy to max $1,500/quarter
- $300+ in transfer-partner value per year with minimal effort
Drawbacks
- Quarterly categories must be activated
- 5× cap at $1,500/quarter is limiting for big spenders
Our verdict
Best no-annual-fee sidekick for Chase cardholders. The 5% rotating categories are genuinely useful, and pairing with a Sapphire card converts everything to transferable points.
Find award availability before you transfer
Points transfers are almost always non-reversible. Use AwardLocker to confirm saver space first, then move your Chase Ultimate Rewards points only when you're ready to book.
Check availability →