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Chase Freedom Flex Top Category Bonus + Rotating Bonuses are live
Chase just dropped an awesome promo for the 4th quarter of 2021 on their Chase Freedom Flex. Not only will you continue to earn 5% cashback on PayPal and Walmart, but they’ve added a new Top Category Bonus. This is how it works:
- Activate your 5% rotating category bonus
- You’ll earn another 5% cashback on your top spend category through 12/31/21
- Capped at $1500
- Travel (including transit)
- Dining
- Home improvement stores
- Select streaming services
- Select live entertainment
- Gas stations
- Drugstores
- Fitness clubs
- Grocery stores (not including Target and Walmart purchases)
- Up to 9% on PayPal
- If your top category is one of those listed above and you pay with PayPal you’ll earn the base 1x, plus the rotating 4x bonus, and the 4% top category bonus
We love the Chase Freedom Flex for this exact perk: rotating, quarterly 5x bonus categories. What does that mean? It means that every 3 months Chase Freedom releases a new list of bonus categories that earn 5x throughout the quarter. It’s an incredible way to multiply the number points you make on purchases, or strategize for the future. Chase has announced the new rotating bonus categories for the final 3 months of 2021: PayPal and Walmart
Additionally, Chase released their Chase Freedom Flex in 2020 and it’s a stellar card. It’s the updated Mastercard version of the Chase Freedom, but if you still carry the old Chase Freedom, you still qualify for rotating category bonuses as well.
I would definitely consider either getting a Chase Freedom Flex or converting your existing Freedom to a Freedom Flex in order to enjoy the native category bonuses the card offers in addition to these quarterly, rotating category bonuses.
As long as you activate by September 14th, you’ll receive 5% or 5x on all of the purchases made in the bonus categories for that quarter.
Chase Freedom Flex Q4 2021 Bonus categories ( PayPal and Walmart ) Things to know
- You must activate by 12/14/21
- The spending is capped at $1500
- This means that your earning potential is maxed at out 7500 points or $75 cashback
- You must activate this perk each quarter, starting the 15th of the month prior ( September ), up until the 14th of the last month ( December ).
- If you have a Freedom and Freedom Flex, you’ll get $1500 per card.
I’ve used a lot of Chase points for swanky redemptions like the Park Hyatt Buenos Aires
What are the 4th quarter 2021 Chase Freedom/Freedom Flex Bonus categories?
Bonuses on the following categories end September 30th
- Walmart
- PayPal
Additionally, the Chase Freedom Flex has great mobile phone insurance and should really be a top consideration for your mobile phone payments regardless of the category bonus.
When Do the new bonus Categories start? October 1st.
You’ll need to register for these bonus categories by December 14th, 2021. As long as you register by that date, all of the purchases made in these categories will earn 5%/5x points.
Where Do I go to Register? Click here – available starting 09/15/21
How we use Chase Freedom/ Freedom Flex to get closer to lie-flat seats and 5 star suites.
If you’re like me and carry a Chase Premium credit card like the Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred then you can combine your Freedom Flex points into those accounts in order to transfer them into valuable partners.
This is by far the most advantageous usage of Ultimate Rewards, but also increases the value when redeemed in the Chase Travel center. For instance, if you move them into a Chase Sapphire Reserve account, your points will instantly be redeemable for 1.5 cents per point, a 50% increase over redeeming them in the Freedom Chase Travel Center.
Don’t have a Chase premium card?
You should definitely check out our thoughts and the latest offers on:
Combining a Chase Premium card like those above will help you optimize your spend and value of the points you’re earning.
One of the coolest ways to use Chase Ultimate rewards? Emirates First Class. Immerse yourself in the full experience in our YouTube video below!
Take a look at our Best Uses of Chase Points
Capital One Venture X
Learn More
Capital One lit the premium card market on fire when it dropped this card. It quickly was added to our wallet for the following reason!
♥ Earn 100k Bonus Points after $10k Spend in 6 months
♥$300 Annual Travel credit within Capital One Travel Portal
♥2x on every single purchase without limit
♥10x on hotels and car rentals purchased via Capital One Travel
♥5x on airfare purchased within Capital One Travel
♥Erase any travel purchase off your card at a penny a piece with Capital One Travel Eraser
♥Lounge access:
- Access to the Capital One lounge network
- Priority Pass access ( including restaurants for you and two guests ) Authorized Users have access as well
♥ 10k Anniversary Miles every year you keep the card – worth $100 in Capital One Travel or transferred to partners
♥$395 Annual Fee
If you spend more than $400 a year on travel, you’ll quickly offset the annual fee with the $300 travel credit and 10k anniversary bonus. The rest is gravy. And you can add up to 4 Authorized Users fee free!
Learn More
This is a great and Flexible rewards card! (Pun intended)
Earn $200 cash back with Chase Freedom Unlimited or Chase Freedom Flex credit card. I can be rewarded, learn more.
https://www.referyourchasecard.com/18a/H6K9T6SSZN
Chase Freedom Flex: earn 20K points or $200 after spending $500 in the first 3 months.
Pro Tip: Spend the first $500 in the Bonus Categories after activation!
Good Luck! Thank you!
https://www.referyourchasecard.com/18g/ITM524WL4D
Freedom Flex cell phone insurance is “secondary only”, meaning if you have renters insurance, or own your home, they will require you to claim the phone on your homeowners before paying. Pretty basic research into their policy would demonstrate this unless I’m mistaken; in what sense would this be “great mobile phone insurance”?
Oh my goodness! Impressive article dude! Thank you, However I
am going through issues with your RSS. I don’t understand why I am unable to join it.
Is there anybody else getting similar RSS issues? Anybody who knows the solution will you kindly respond?
Thanx!!
Trying to decide which card to get, but struggling (so overwhelmed with the options). Currently only have Chase Southwest… Chase Freedom seems like a good option with home improvement projects in the coming weeks. Any thoughts? Should I reach out to you directly?
Chase Freedom Flex referral https://www.referyourchasecard.com/18f/K8IMR820QY
I have a few chase cards and love the points portal. What drives me bonkers about all the credit card programs is the dang activate. I don’t get it…. It seems like such a waste of everyone’s time:)
But hey, ho we need the points!
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i am getting a new freedom card that offers 5% on grocery stores. but this quarters special
is for walmart., which is a grocery store. if i go to walmart does it count against the grocery
store annual limit?
Robert – great question – the 5x on grocery stores excludes Target and Walmart so it’ll only count against the quarterly 5x
I received the 2020 Chase Freedom “Unlimited” card with 5x grocery bonus for the year. There are other perks/benefits, but I can’t seem to activate the Q1 bonus. I’m assuming the “Unlimited” is different than the plain Chase Freedom and Chase Freedom Flex?
Thanks for the info on a really good deal. Any suggestions on ways to maximize the promotion?
Christian – I think the easiest will be Paypal since a lot of vendors accept this as payment. I know a lot of home lawn care, baby sitters, tutors, award bookers, etc accept it as payment. You think you’ll get the new Flex?
Interesting Article. Thanks
#staysafe during #COVID19
https://www.fashion3k.com