
That's why you can think of the Chase Freedom Flex℠ and Chase Freedom® bonus categories as earning you either 5% back or 5x points. While these are marketed as cash-back cards, if you also have a Chase card that earns transferable Chase Ultimate Rewards® points, like the Chase Sapphire Preferred® Card, you can combine rewards between the two cards and transfer them to Chase's airline and hotel partners. Activation is required, and once you hit the quarterly max of $1,500 spent in the bonus categories, your rate reverts to 1% back. How Chase Freedom Categories WorkĮach quarter of the year, the Chase Freedom Flex℠ and Chase Freedom® cards earn 5% back (or 5x points) on a different set of bonus categories. Once you activate, the bonus will retroactively apply to purchases, up to spending limits, from the start of the current quarter. In fact, of all the quarterly bonus categories throughout the year, this is the easiest for many cardholders to max out.Ĭhase Freedom Flex℠ and Chase Freedom® cardholders can activate the Q4 bonus categories through their Chase account starting September 15, 2023, until December 14, 2023. These new categories are perfect for the holiday shopping season - especially PayPal, since it's a payment option at countless online businesses.



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When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay. These cards won't be worth it if you're paying interest or late fees. We're focused here on the rewards and perks that come with each card. , which is no longer available to new applicants. These categories also apply to the Chase Freedom® From October 1 to December 31, 2023, you can earn 5% cash back (5x points) on up to $1,500 in combined purchases (then 1%) on wholesale clubs, select charities, and PayPal.
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Other common bonus categories include department stores, restaurants, drugstores, movie theaters, and wholesale clubs.

The bank has also added a grocery bonus every year since 2015.(In 20, it offered a gas bonus twice: in the winter and in the summer.) Since 2011, for example, Chase has added a gas bonus every year. But the bank tends to bring back many of the same bonus categories year after year. Unlike some competitors, Chase doesn’t announce a particular quarter’s bonus category until a few weeks before the new quarter starts.In recent years, Chase has set the Freedom and Freedom Flex cards apart by offering 5% cash back on common bills that don’t usually get much attention from other issuers, including your cable TV, cellphone, and streaming service bills.
