Chase Independence Flex: Exclusive Vacation Benefits For A Money Back Card

Although the Chase Liberty Flex℠ is promoted as a hard cash back credit card, there are various explanations for vacation enthusiasts to choose one more glimpse. Not only does it present a generous range of travel insurance coverage protections, but its rewards can be redeemed straight for vacation, whether you have this card by yourself or you pair it with a quality travel credit history card from Chase.

With its rotating bonus types and generous rewards on each day expending, the Liberty Flex can support anyone increase their benefits haul. If you want to get paid travel rewards and do not want to pay back a further once-a-year payment for a credit score card, study on to study why this card might be exactly what you will need.

Overview of the Chase Independence Flex

The Chase Freedom Flex is a popular dollars again credit score card. Not only can you receive a higher amount of rewards for every single greenback you invest, but you can redeem your rewards in several unique techniques, such as for vacation.

Chase Liberty Flex highlights

  • Get paid a $200 dollars reward when you spend $500 within just a few months of account opening
  • Get paid 5 per cent hard cash again on up to $1,500 expended in activated quarterly bonus types (then 1 p.c again), vacation booked via Chase, Lyft rides (by March 2022) and up to $12,000 put in on groceries the initial yr
  • Also receive 3 percent back on dining and drugstore buys, as properly as 1 percent again on almost everything else
  • percent APR on buys and balance transfers for 15 months, followed by a variable APR of 14.99 % to 23.74 p.c
  • No yearly payment

Earning rewards

The Chase Flexibility Flex is definitely special in that it delivers rotating reward types and reward benefits in several day to day paying out classes. It starts with the point that you receive 5 percent back on up to $1,500 used in rotating categories every single quarter, right after which you earn 1 p.c back again.

Although Chase Freedom Flex groups can modify in excess of time, they commonly incorporate alternatives like gasoline stations, house improvement merchants, Walmart and PayPal purchases and far more. The subsequent table demonstrates Chase Independence Flex groups for 2021:

Q1: January to March
  • Wholesale golf equipment
  • Net, cable and cellphone solutions
  • Find streaming products and services
Q2: April to June
  • Gas stations
  • Property enhancement outlets
Q3: July to September
  • Grocery retailers (excluding Walmart and Target)
  • Decide on streaming expert services: Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, FuboTV, Apple New music, SiriusXM, Pandora, Spotify and YouTube Tv
Q4: Oct to December
  • Walmart and Paypal Purchases

Outside of rotating reward categories, cardholders also earn 5 per cent again on up to $12,000 expended on groceries the initial calendar year, as well as 5 p.c back again on Lyft rides (through March 2022). As an added reward, customers can even make 5 p.c back on journey they reserve by Chase, which can include airfare, inns, rental cars and trucks, working day outings and extra.

Independently, cardholders get paid 3 percent cash again on dining and drugstore buys and 1 percent back on every little thing else.

Redeeming rewards

Even though the Freedom Flex is a hard cash again credit card at heart, the benefits you get paid are basically Chase Final Rewards factors. The factors you receive are truly worth just one cent each individual. That helps make the $200 welcome reward value 20,000 factors.

This software lets you redeem your benefits for dollars back or statement credits if you like, but you also have further redemption choices like present cards, items or journey by way of the Chase portal.

The Independence Flex also will make it effortless to redeem rewards for travel, which we’ll go about in far more depth underneath.

Why the Chase Independence Flex is a excellent card for vacationers

Finding up a cash back again card for travel may well appear peculiar, but the Freedom Flex functions perfectly in distinct scenarios. Contemplate the next benefits and rewards prior to you make it section of your travel rewards system.

Journey rewards redemption

If you really feel intimidated by the concept of redeeming your Chase details for journey, know that it’s pretty simple. The Chase travel portal associates with Expedia.com, and it is effective similarly. All you have to do is use the portal to store for the journey you want, irrespective of whether you need to reserve flights, a hotel, a rental car or truck or other vacation designs.

From there, Chase will display you how a lot your vacation would value in factors. Here’s an instance of how the portal would display screen your selections if you searched for a hotel in New York City for dates in November of this 12 months.

You have the solution to pay for your travel designs totally with factors, with a combination of factors and credit score card prices or completely with your credit score card. If you pay back for all or part of your journey by means of Chase with your Liberty Flex card, you will generate 5 p.c back on that spending.

Pairing with other Chase Top Benefits playing cards

With the Freedom Flex, you can transfer rewards to a quality Chase vacation credit score card account for better vacation redemptions. If you also have the Chase Sapphire Preferred® Card, for case in point, you could use just about every card for purchases in their respective bonus types, and then move all your factors to your Most popular account prior to you redeem.

This method would support you get 25 per cent much more worth for your details if you redeem for travel as a result of Chase. Independently, moving points to your Desired card unlocks the selection to transfer benefits to Chase’s airline and hotel associates like British Airways, United MileagePlus, JetBlue, Marriott Bonvoy and World of Hyatt.

Travel coverage

The Independence Flex will come with a generous quantity of vacation insurance policies for a funds back credit score card. Benefits you will qualify for contain excursion cancellation and interruption coverage really worth up to $1,500 for each passenger and $6,000 per trip, secondary vehicle rental coverage and travel and unexpected emergency aid solutions.

And keep in mind, these advantages are available cost-free of cost for cardmembers.

With that claimed, you can get even far more journey insurance policies protections with a premium Chase travel card. With the Chase Sapphire Reserve®, for example, you get larger-benefit vacation cancellation and interruption coverage, principal auto rental protection, excursion hold off reimbursement, crisis evacuation and transportation protection, baggage hold off insurance plan, vacation incident insurance coverage, roadside assistance and far more.

Need to you get the Chase Flexibility Flex?

Thinking about the Independence Flex offers generous benefits in each day classes with no yearly price, you just cannot genuinely go completely wrong. This is true for men and women who vacation occasionally and want some standard travel protections, and for those who journey all the time and want a way to raise their journey benefits haul.

The Freedom Flex is an even greater option for present-day Chase customers who have a high quality travel credit card they can pair it with. When you have a number of diverse Chase credit score playing cards, or even the Chase trifecta, you get bonus benefits in much more groups, all the very best redemption possibilities and the most effective assortment of travel protections all at once.

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