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Activate now! Chase Freedom Flex 5% Bonus Categories for Q2 2023: Lowe’s and Amazon

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Chase Freedom Flex 2023 category bonuses

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.  The new rotating bonus categories for the 2nd quarter of 2023 are now active: Lowe’s and Amazon

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 March 14th, you’ll receive 5% or 5x on all of the purchases made in the bonus categories for that quarter.

The Chase Q2 2023 rotating category bonuses for the Chase Freedom Flex are: Lowe’s and

  • You must activate by 06/14/23
  • 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.
  • Target: This is a brand new quarterly category for Chase Freedom,
    • clothing to home goods, electronics, toys, and more.
    • Qualifying grocery store purchases made at Target will only earn a total of 5%.

What have the past Chase Freedom/Flex bonus catagories?

Just so you have an idea, here’s a look at what we’ve seen incentivized in the past.

Here’s a look at 2022

Here’s a look at the 2021 calendar

And the 2020 categories

When Do the new bonus Categories start? The 1st of every quarter

You’ll need to register for these bonus categories by March 14th, 2023. 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 03/15/23

Activate Chase Freedom Bonus Categories

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


 Affiliate link via Card Ratings

Chase Sapphire Preferred® Card


The Chase Sapphire Preferred is a great starter card that earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based. 

Welcome Offer

60k Points after $4k spend in 3 months

Annual Fee


Points Earned

Transferrable Chase Ultimate Rewards

If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex℠and Chase Freedom Unlimited® or the business versions: Ink Business Cash , Ink Business Unlimited you can combine the points into Preferred account and transfer into hotel and airline partners

Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.

  • 3x on dining
    •  including eligible delivery services for takeout
  • 3x on select streaming services
  • 3x on online grocery purchases
    • (excluding Target, Walmart and wholesale clubs)
  • 5x on all travel purchased through Chase Ultimate Rewards – Chase Travel Portal
  • $50 Annual Credit on hotel stays purchased via Ultimate Rewards/Chase Travel
    • The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
  • 10% Anniversary Bonus
    • Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
  • Chase Sapphire Preferred® continues to redeem at 1.25c in the Chase Travel Portal and the slew of other benefits remain in tact including primary rental car insurance, purchase protections, etc.
  • Points are transferrable to 13 Ultimate Rewards partners
  • Redeem in the Chase Travel center for 1.25 cents per point
  • No foreign transaction fees
  • Suite of Travel and Purchase Coverage
    • Primary rental car coverage is my favorite

We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.

Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 


  • Chris O. February 28, 2023

    Ready to pick up your own Chase Freedom Flex card and earn bonus money? Consider using my referral code:


  • Patrick January 17, 2023


    Earn $200 cash back with Chase Freedom Unlimited or Chase Freedom Flex credit card. I can be rewarded, learn more.

    Earn 60,000 bonus points with Chase Sapphire Preferred. I can be rewarded, learn more.

  • William January 6, 2023

    Chase Freedom Flex: Earn $200 or 20K points after spending $500 in the first 3 months + Earn 5% or 5x the points back at grocery stores for the first 12 months up to $12000 in purchases.

    Good Luck! Thank You!

  • Jessica January 4, 2023

    Love stacking these Freedom cards with my CSP to maximize rewards! Saving up for a family trip to Japan; thanks for using my link!

    Earn $200 cash back with the Chase Freedom Unlimited® or Chase Freedom Flex℠ credit card. I can be rewarded, learn more.

  • Faizal Ramdial January 3, 2023

    Hey Everyone , love the monkey miles community, thanks to you all and Zach I’ve been able to reap some rewards from CC.

    If interested here are my 2 chase referral links!
    CHASE sapphire preferred 60k points after spending 4000 in 3 months. No explaining need, great card, needed or the CSR to complete the Trifecta and relatively lower annual fee of 95

    Chase freedom Flex 20k sign up bonus after 500 dollars of spend. No annual fee card, great with the CHASE trifecta.
    Earn $200 cash back / 20000 chase travel points. NOW with great quarter of 5times at grocery stores!!

  • John December 27, 2022

    Use my Chase Freedom referral link!

    $200 bonus offer plus 5% back on groceries Chase Freedom Unlimited or Flex referral offer

  • Katie December 21, 2022

    Hi Travel Friends! I just started learning about points and miles this year from Monkey Miles and Zach! I’ve been working on accumulating points and am hoping to do my first redemption next year on a trip to Paris! I would love if you use my referral link if you’re considering these cards! Thanks and happy traveling!

    Chase Freedom Unlimited or Chase Freedom Flex: Earn $200 cash back:
    -I got the Freedom Flex as recommended here and it’s been so nice to get 5x points in the rotating categories! And you can’t beat $0 annual fee!

  • Will December 16, 2022

    Chase Freedom Flex: Earn $200 cash back after spending $500 in the first 3 months.

    Good Luck! Thank You!

  • mojo December 16, 2022

    (Might want to update the Dates on your headline to Q1 2023)

    • Miles December 16, 2022

      🤦🏼‍♂️ thanks

  • William October 7, 2022

    Chase Freedom Family: Earn $200 after spending $500 in the first 3 months with the Chase Freedom Unlimited or Chase Freedom Flex credit card.

    Good Luck! Thank You!

  • Jennifer October 2, 2022

    Chase Freedom

    Earn $200 cash back with the Chase Freedom Unlimited® or Chase Freedom Flex℠ credit card. I can be rewarded, learn more.

  • Scott voight July 10, 2022

    Click on the link above to start your saving and to start earning rewards towards the trip of your dreams.

  • William April 18, 2022

    Chase Freedoms:

    Good Luck! Thank You!

  • Charlie March 22, 2022

    What is the advantage of converting an existing Freedom to a Freedom Flex and not simply taking both cards as they are each annual fee-free?

  • Giovanni Logrono October 22, 2021

    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.

  • William October 3, 2021

    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!

  • Ford Prefect September 17, 2021

    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”?

  • nordvpn chomikuj August 21, 2021

    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?

  • Cody March 16, 2021

    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?

  • Dan Mueller January 3, 2021
  • Nikola Webster January 3, 2021

    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!

  • […] Q4 Categories On A Popular Card:  Many of us diligently max out quarterly bonuses on those cards with rotating categories.  For Q4, this popular card has bonus categories for spending at Walmart and through Paypal.  This should be easy to max out! […]

  • robert becker September 16, 2020

    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?

    • Miles September 16, 2020

      Robert – great question – the 5x on grocery stores excludes Target and Walmart so it’ll only count against the quarterly 5x

      • Melanie Siri January 6, 2021

        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?

  • Christian September 16, 2020

    Thanks for the info on a really good deal. Any suggestions on ways to maximize the promotion?

    • Miles September 16, 2020

      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?

  • O Rogers July 10, 2020

    Interesting Article. Thanks
    #staysafe during #COVID19

  • […] wrote an article last week reminding people to activate their Chase Freedom 5x Q2 2020 Bonus Categories. This is an outstanding way to earn points on points on points, and if you carry a Premium Ultimate […]

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