Compare the Features and Benefits of Chase Freedom Flex and
Amazon Prime Visa

This is a primary card in the Chase Trifecta, which includes a Chase Sapphire Preferred or Chase Sapphire Reserve, a Chase Freedom Unlimited, and this card, the Chase Freedom Flex. You’ll earn 3% on dining and drugstore purchases with the Freedom Flex. But whereas the Freedom Unlimited gives you 1.5% cash back on other spend categories, The Flex earns only 1%. That is because it has the rotating 5% bonus categories.

The rotating bonus categories each quarter can be fantastic. Amazon is a popular choice, meaning you’d earn 7,500 Ultimate Rewards points ($75) if you spent $1,500 during that quarter.

Since the Chase Freedom Flex is a pure cash back credit card unless you also have a Chase Sapphire Preferred®, Sapphire Reserve®, or Ink Business Preferred® with which to combine your Chase Ultimate Rewards points, it’s ideally used as part of a combo.

When you hold one of these premium Ultimate Rewards-earning credit cards, you can transfer points earned on the Freedom Flex to the premium card. Once you’ve moved the Ultimate Rewards over to the premium credit card, you can take advantage of points transfers to 12 Chase airline and hotel partners or book travel through the travel portal.

Best of all, you can accrue cash back on this card and decide to add a Chase Sapphire Preferred®, Sapphire Reserve®, or Ink Business Preferred® later on – if you suddenly decide that you’d like to delve into the world of credit card rewards that transfer to frequent flyer and hotel programs to book free award flights and hotel nights.

If you book through the travel portal and have a Sapphire Reserve, your points redeem for 1.5 cents each, meaning that you earn 1.5X points or cash back per dollar and redeem them for 1.5X, giving you an effective 2.25% return on your spend.

If you book through the travel portal and have a Sapphire Preferred, or Ink Business Preferred, your points redeem for 1.25 cents each, meaning that you earn 1.5X per dollar and redeem for 1.5X, giving you an effective 1.875% return on your spend.

But our absolute favorite way to redeem is always via airline and hotel transfer partners. The easiest high-value redemption is usually Hyatt. We often get better than 2 cents per World of Hyatt point. Keep in mind that Hyatt doesn’t charge any resort fees when you stay on a free night award. So let’s say you are looking at a hotel with a cash price of $259 and a $25 a night resort fee and 8% tax. That would come to $307 a night. But if that same room costs 8,000 or 12,000 Hyatt points, you could be using your points (which transfer at an even 1:1 ratio to all airline and hotel partners) with a rate of return of 3 – 4 cents.

To be clear, if you don’t also have a Chase Sapphire Preferred®, Sapphire Reserve®, or Ink Business Preferred®, the rewards earned with the Chase Freedom Flex are purely cash back rewards.

That said, even without a card combo, it’s still a solid card to earn cash back, including 3% on dining , including takeout and eligible delivery services, and drugstores) since it has no annual fee.

The Chase Freedom Flex credit card comes with a solid range of benefits for a card with no annual fee. You’ll get Purchase Protection and Extended Warranty on the shopping side and you’ll be taken care of on canceled or shortened pre-paid trips if a covered reason arises. with the included Trip Cancellation/Interruption Insurance.

As much as we love rewards credit cards with transferable bank points, for heavy Amazon or Whole Foods shoppers, it’s hard to deny that 5% cash back on all of these purchases with the Prime Visa (as long as you have an eligible Amazon Prime membership!) is pretty awesome.

I know some people that do absolutely all of their grocery shopping at Whole Foods and as much shopping as possible at Amazon. If this is you, the Prime Visa credit card is probably a no brainer, especially with no annual fee, no foreign transaction fees, and a wide range of consumer protections like extended warranty, purchase protection (which covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account) and trip protections, although note that the trip protections aren’t nearly as rich as on many travel specific credit cards.

As a reminder, you’ll earn an unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership and an unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare).

You’ll earn ah unlimited 1% back on all other purchases, so you may want to combo this card with a card that earns 2% back on categories not bonused on this card.