💳 Chase · Mastercard
Travel Benefits Guide 2026
Here's exactly what you get — and what you don't — when you use the Chase Freedom Flex for travel.
This card does not include airport lounge access. Consider upgrading to a premium card or purchasing a Priority Pass membership separately.
No Global Entry or TSA PreCheck credit on this card.
Not included on this card. If your flight is delayed, you'll pay out of pocket for meals and hotels.
Reimburses up to $1,500/person (max $6,000/trip) if you must cancel or cut short your trip.
Covered reasons: illness, severe weather, jury duty, change in military orders
Trip cancellation/interruption insurance up to $1,500 per person, $6,000 per trip. Must purchase common carrier tickets with the card.
Lost/stolen/damaged baggage: Up to $3,000/person
Checked bags: up to $3,000 | Carry-on: up to $3,000
Baggage delay insurance covers essential purchases after a 6-hour delay, up to $100/day for 5 days. Lost luggage reimbursement up to $3,000 per passenger.
Delayed baggage: Up to $0/person after 6+ hours. Covers clothing, toiletries, essential items.
Travel and Emergency Assistance Services available (referral service only; does not cover costs).
Secondary coverage — you must file with your personal auto insurance first, then this card covers the remainder.
Covers: collision damage, theft
Excludes: liability, personal injury
Eligible countries: Worldwide
Auto Rental Collision Damage Waiver — secondary in the US, may be primary internationally. Decline the rental company's CDW.
❌ Foreign transaction fee applies — using this card abroad will cost you an extra 2–3% on each transaction. Consider using a different card for international travel.
Cash back maximizers who want no annual fee, with strong rotating bonus categories and protection benefits
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