{"id":270525,"date":"2026-07-17T20:00:21","date_gmt":"2026-07-17T20:00:21","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=270525\/"},"modified":"2026-07-17T16:42:19","modified_gmt":"2026-07-17T16:42:19","slug":"youll-soon-be-able-to-use-your-chase-freedom-flex-abroad-without-foreign-transaction-fees-what-to-know","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/news\/credit-cards\/chase-freedom-flex-removing-foreign-transaction-fees\/","title":{"rendered":"You\u2019ll Soon Be Able To Use Your Chase Freedom Flex Abroad Without Foreign Transaction Fees \u2014 What To Know"},"content":{"rendered":"<p>The <a data-ccid=\"4048224\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\">Chase Freedom Flex\u2120<\/a> is one of the most popular <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/best-cash-back-credit-card-offers\/\" rel=\"noopener\">cash back credit cards<\/a> on the market, thanks to its rotating bonus categories and fantastic protections. However, it has long charged a foreign transaction fee, which limits its utility for travelers who frequently find themselves outside the U.S.<\/p>\n<p>Luckily, Chase just sent out an email to cardholders explaining that foreign transaction fees would be going away soon. Here's what to know.<\/p>\n<h2><span id=\"Freedom_Flex_Dropping_Foreign_Transaction_Fees\">Freedom Flex Dropping Foreign Transaction Fees<\/span><\/h2>\n<p>When you use certain credit cards outside the U.S., you might be charged a foreign transaction fee. It's typically 3% of the purchase, and while that might not seem like a lot, it can add up quickly. If you spend $1,000 during your European vacation, you're paying an extra $30 just for using your credit card.<\/p>\n<p>While premium cards don't normally charge foreign transaction fees, many no-annual-fee or cash-back credit cards do. Right now, the Freedom Flex charges a foreign transaction fee of 3% of each transaction in U.S. dollars. That means the fee wipes out any earnings you get from your card.<\/p>\n<figure id=\"attachment_132228\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-132228 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Featured_YoungerWomanUsingACreditCardAtARestaurant-Chase.jpg\" alt=\"Woman using a credit card at a restaurant.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Featured_YoungerWomanUsingACreditCardAtARestaurant-Chase.jpg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Featured_YoungerWomanUsingACreditCardAtARestaurant-Chase-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Featured_YoungerWomanUsingACreditCardAtARestaurant-Chase-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Featured_YoungerWomanUsingACreditCardAtARestaurant-Chase-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Chase<\/em><\/enter><\/figure>\n<p>However, starting <strong>September 20, 2026<\/strong>, Chase is eliminating foreign transaction fees on the Freedom Flex. That means you'll be able to earn 5% on rotating bonus categories (up to $1,500 per quarter), 5% on travel purchased through Chase, 3% on dining at restaurants and drugstore purchases and 1% on other eligible purchases, including on purchases made abroad.<\/p>\n<p>This puts the Freedom Flex in much more direct competition with the <a data-ccid=\"4048129\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/capital-one-savor-card\/\">Capital One Savor Cash Rewards Credit Card<\/a>, another popular <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/best-no-annual-fee-no-foreign-transaction-fee-cards\/\" rel=\"noopener\">no-annual-fee card with no foreign transaction fees<\/a>.<\/p>\n<div class=\"qs-card\" data-id=\"4048224\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Chase Freedom Flex\u2120<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/01\/CardArt-ChaseFreedomFlexCard.png\" width=\"150\" alt=\"Chase Freedom Flex\u2120\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"4048224\" href=\"\/blog\/link\/ChaseFreedomFlex\" target=_blank rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Chase Freedom Flex\u2120<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-er\"><ul>\r\n<li>Earn 5% on up to $1,500 on combined purchases in <a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-freedom-categories\/\" target=_blank>bonus categories<\/a> each quarter you activate<\/li>\r\n<li>Earn 5% cash back on travel purchased through Chase Travel\u2120<\/li>\r\n<li>Earn 3% on dining at restaurants, including takeout and eligible delivery services<\/li>\r\n<li>Earn 3% on drugstore purchases<\/li>\r\n<li>Earn 1% on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/FreedomFlex\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-7-16ef91b60f#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<h2><span id=\"Freedom_Flex_Also_Losing_Cell_Phone_Protection\">Freedom Flex Also Losing Cell Phone Protection<\/span><\/h2>\n<p>All good things come at a price. The <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/best-credit-cards-with-cell-phone-protection\/\" rel=\"noopener\">cell phone protection<\/a> currently available to Freedom Flex cardholders will be discontinued on <strong>September 20, 2026<\/strong>, and will only cover eligible losses incurred through September 19, 2026.<\/p>\n<p>As someone who spends the vast majority of the year outside the U.S., I think this is a fair trade-off. You can still get cell phone protection with a variety of cards, including:<\/p>\n<ul>\n<li><strong><a data-ccid=\"4048251\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/wells-fargo-active-cash\/\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"4048251\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/active-cash\/terms\/?product_code=CC&subproduct_code=AC&FPID=0126D7I6F40000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>):<\/strong> Up to $600, subject to a $25 deductible<\/li>\n<li><strong><a data-ccid=\"4048272\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-x\/\">Capital One Venture X Rewards Credit Card<\/a>:<\/strong> Up to $800, subject to a $50 deductible<\/li>\n<li><strong><a data-ccid=\"4028089\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-platinum\/\">American Express Platinum Card<sup>\u00ae<\/sup><\/a>:<\/strong> Up to $800, subject to a $50 deductible<\/li>\n<\/ul>\n<p>Is it frustrating when a card loses a benefit? Sure, but being able to use your card abroad without incurring foreign transaction fees is likely much more valuable than a cell phone protection benefit that you may or may not use over the life of the card.<\/p>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-american-express\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/merchant.linksynergy.com\/fs\/banners\/40602\/40602_52.png\" width=\"150\" alt=\"Wells Fargo Active Cash\u00ae Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Wells Fargo Active Cash\u00ae Card' data-ccid=\"4048251\" data-exit=\"ccw\" href=\"\/blog\/link\/CR-WellsFargoActiveCashCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"4048251\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/active-cash\/terms\/?product_code=CC&subproduct_code=AC&FPID=0126D7I6F40000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn unlimited 2% cash rewards on purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/11\/CardArt-CapitalOneVentureXRewardsCreditCard.png\" width=\"150\" alt=\"Capital One Venture X Rewards Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Venture X Rewards Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening<\/div><\/div><div class=\"compare-apply\"><a data-ccid=\"4048272\" data-exit=\"ccw\" class=\"btn-use qs-how-apply\" title='Capital One Venture X Rewards Credit Card' href=\"\/blog\/link\/CR-CapitalOneVentureXRewardsCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$395<\/p><\/div><div class=\"compare-rating compare-rating--6\"><strong>Credit Score<\/strong><p>Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>10X miles per $1 on hotels and rental cars booked via Capital One Travel<\/li>\r\n<li>5X miles per $1 on purchases through Capital One Entertainment<\/li>\r\n<li>5X miles per $1 on flights when booking via Capital One Travel<\/li>\r\n<li>5X miles per $1 on vacation rentals booked via Capital One Travel<\/li>\r\n<li>2X miles per $1 on all other eligible purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/e6901d88-1a35-4373-b3e1-9a2a445490a0.png\" width=\"150\" alt=\"American Express Platinum Card\u00ae\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">American Express Platinum Card<sup>\u00ae<\/sup><\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nYou may be eligible for as high as 175,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='American Express Platinum Card\u00ae' data-ccid=\"4028089\" data-exit=\"ccw\" href=\"\/blog\/link\/CR-ThePlatinumCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$895<span class=\"compare-terms\"><a data-ccid=\"4028089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 5X points for flights booked directly with airlines or with American Express Travel<sup>\u00ae<\/sup> (up to $500,000 in purchases per calendar year).<\/li>\r\n<li>Earn 5X points on prepaid hotels booked with American Express Travel<sup>\u00ae<\/sup>.<\/li>\r\n<li>Earn  5X points on Fine Hotels + Resorts<sup>\u00ae<\/sup> and The Hotel Collection bookings.<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>It's not uncommon for issuers to serve up great news with bad news lurking behind it. Today's news is no exception, but it's positive nonetheless. Starting <strong>September 20, 2026<\/strong>, you will be able to use your <a data-ccid=\"4048224\" href=\"\/blog\/link\/ChaseFreedomFlex\" target=_blank rel=\"noopener nofollow sponsored\">Freedom Flex<\/a> for purchases abroad without incurring a foreign transaction fee.<\/p>\n<p>This will be a fantastic way to maximize quarterly bonus categories, or simply to earn 3% on pharmacy purchases abroad. Only time will tell if this change will extend to its sister card, the <a data-ccid=\"3006090\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-unlimited\/\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/a> (<a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=086f064bbf41a526deab913ab590da93a&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). If so, this would be a powerful duo to keep in your wallet on international trips.<\/p>\n<div id=\"ftoc\"><div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Freedom_Flex_Dropping_Foreign_Transaction_Fees\">Freedom Flex Dropping Foreign Transaction Fees<\/a><\/li><li><a href=\"#Freedom_Flex_Also_Losing_Cell_Phone_Protection\">Freedom Flex Also Losing Cell Phone Protection<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>You might need to reevaluate which cards you keep in your wallet when you travel abroad. Starting September 20, 2026, the Chase Freedom Flex\u2120 is eliminating foreign transaction fees. That makes it much easier to maximize quarterly bonus categories and earn 3% cash back on dining and drugstore purchases made abroad. Here&#8217;s what to know.<\/p>\n","protected":false},"author":105,"featured_media":229683,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":false,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"","_twitter_share_type":"","_linkedin_share_type":"","_pinterest_share_type":"","_linkedin_share_type_page":"","_instagram_share_type":"","_medium_share_type":"","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12069],"tags":[12786,12627],"coauthors":[36518],"class_list":["post-270525","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-chase","tag-fees-rules-and-policies"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/270525","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/105"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=270525"}],"version-history":[{"count":12,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/270525\/revisions"}],"predecessor-version":[{"id":270548,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/270525\/revisions\/270548"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/229683"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=270525"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=270525"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=270525"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=270525"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}