
In that case, you can combine the Ultimate Rewards points you earn with your Chase Freedom or Freedom Flex card with those you earn from your more premium Ultimate Rewards-earning card, and they become fully transferable. Suppose you also have a premium product like the Chase Sapphire Preferred Card. For a no-annual-fee credit card, that's a lot of value.Īlternatively, since the cash back you earn comes in the form of Ultimate Rewards points, you're looking at a potential of up to 30,000 bonus Ultimate Rewards earned each year. Maximizing the cash-back categories each quarter, you'll earn $75 in cash back quarterly and up to $300 per year. While that may not sound like a lot, that cash back adds up over time.
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Related: Check out our full Chase Freedom Flex card review How much cash back can I earn each quarter?Ĭhase limits the 5% back (or 5 points per dollar) to the first $1,500 spent in combined bonus categories each quarter you activate the bonus. So, depending on the categories and whether you can maximize them, these two cards can offer quite a nice chunk of cash back or bonus points over the course of a year.

The categories tend to repeat periodically - for instance, grocery stores, restaurants and gas stations are all common categories you'll notice frequently pop up on the cash-back calendar. However, you can activate your categories up until midway through the last month of the quarter. Generally, these categories are announced halfway through the month before the new quarter starts to give card members time to activate new categories beforehand. Frequently asked questions about Chase Freedom and Chase Freedom Flex bonus categories How do rotating categories work?Įach quarter, Chase announces a group of bonus categories that will earn 5% cash back (or 5 points per dollar) throughout the upcoming three-month period. After you reach the maximum, you'll earn 1% back on these purchases.

Remember that Chase limits the 5% back (or 5 points per dollar) to the first $1,500 spent in combined bonus categories each quarter you activate the bonus. Costco members are likely already aware that their Freedom Flex Mastercard is not accepted at in-store Costco locations due to its exclusive acceptance of Visa cards online and app purchases can be made with Mastercards, though. However, fuel and additional services like travel, insurance and home improvement are not part of this category. Wholesale clubs: If you're gearing up to host a big group or get a great deal on some big electronics at your favorite wholesale club, use your Freedom or Freedom Flex to earn even more than usual.You'll earn bonus rewards when you donate to any of these charities: Select charities: The end of the year is the biggest time for giving, and you'll get more than just a feeling of goodwill when you use your Freedom or Freedom Flex to donate this quarter.Note that payments between you and friends or family through your PayPal account may not be eligible. Select your Freedom or Freedom Flex as your preferred payment method in your PayPal account to earn bonus rewards whenever you pay with PayPal this quarter. PayPal: The fan-favorite Q4 category is back for another year.31, Chase Freedom and Chase Freedom Flex cardmembers can earn 5% cash back ( or 5 points per dollar) on spending in the following categories:Īs noted above, you must activate your card to unlock the bonus-earning potential in these categories. Chase Freedom and Freedom Flex Q4 2023 categories You can now earn 5% back (or 5 points per dollar) on up to $1,500 of spending in these categories - and 1% (or 1 point per dollar) after that - through Dec. Those of us who have maxed out our bonus earnings with PayPal in past holiday seasons are thrilled to see its return, and the addition of select charities and wholesale clubs provides even more chances to earn bonus rewards this quarter. To round out 2023 as a year of great bonus-earning opportunities, Chase Freedom (no longer available to new applicants) and Chase Freedom Flex℠ cardholders have another set of excellent bonus categories for Q4: PayPal, select charities and wholesale clubs.
