![]() ![]() ![]() Select Live Entertainment (excluding bowling alleys, movie theaters and gambling facilities), and Gas Stations and EV Charging (excluding truck stops, marinas and oil distribution) Grocery Stores, Drug Stores and Select Streaming Services. Grocery Stores (excluding Walmart® and Target®) and Fitness Clubs & Gym Memberships Plus, earn unlimited 1% cash back on all other purchases – automatically If you’re spending above your means just to maximize the quarterly bonus categories, you’ll pay far more in interest than the value of any rewards earned.ĥ% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on dining and drugstores and 1% cash back on all other purchasesĥ% cash back on everyday purchases at different places each quarter up to a quarterly maximum of $1,500 in spending when activated. It’s important to know that it only makes sense to maximize the bonus categories if you can pay your credit card in full and on time every month. Or, if you have the storage space, max out that $1,500 cap buying household staples like paper towels, toilet paper and cleaning products for the year. So you might want to put a few bucks on a gift card to cover your next night out to dinner or a gift for a special occasion. Perhaps fulfill some of your shopping needs with the bonus categories in ways you may not normally have considered.įor example, if the bonus categories include grocery stores, many supermarkets will typically sell gift cards to places like Amazon, restaurant chains and retail stores. ![]() If your spending doesn’t align well with the eligible 5% spending categories, it’s time to think outside the box. Now that you’ve activated the 5% bonus categories, it’s time to go shopping. In the case of the Chase Freedom Flex, only the first $1,500 spent in the bonus categories earns the 5% cash back. On the first day of each quarter, be sure to activate rewards by logging into Chase’s app or website and following the instructions. Activate bonus categories as soon as possible.Likewise, stocking up on nonperishable items you need during a particularly rewarding quarter may be worthwhile, assuming you can safely pay down the entire balance before the end of the billing cycle. It can be more rewarding to hold off on a purchase if it falls in a later bonus category. Plan purchases around the quarterly rotations.This list of qualifications means cardholders must pay attention and put in a bit of extra effort to earn a maximum reward. This means you can earn a maximum of $75 cash back with the 5% categories each quarter. The Chase Freedom Flex earns 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on dining and drugstores and 1% cash back on all other purchases. Most cards earning 5% cash back, including the Chase Freedom Flex, only earn 5% cash back in specific rotating categories up to a quarterly maximum and only when the rewards are activated. ![]()
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