Chase Freedom Flex is a great cash back credit card or points-earning credit card that allows you to earn up to 5% cash back (or 5 points per $1) on rotating categories each quarter, 5% cash back on travel purchased through Chase Ultimate Rewards and now unlimited cash back on…
- Dining at 3% (3 points per $1)
- Drugstores at 3% (3 points per $1)
- All other purchases at 1% (1 point per $1)
The Chase Freedom Flex 2021 Categories for the fourth quarter (October through December 2021) are now active.
Keep reading to find out which categories will allow you to can earn even MORE points or cash back this quarter.
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Why I Like Chase Freedom Flex
I like Chase Freedom Flex, because it makes it easy to score savings on things that may not ordinarily lend themselves to coupons, like Internet service for example.
Another perk of Chase Freedom Flex is that you can also opt to earn Chase points — if you hold Chase Sapphire Preferred (read my full review of this card, which is currently offering an UNPRECEDENTED 100,000 points after approval and meeting a $4,000 minimum spend in 3 months!) or Chase Sapphire Reserve (read my full review of this card) — instead of cash back, which can be used for free travel.
Who doesn’t want cash back or free travel?!
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Chase Freedom Flex Categories 2021: Quarter 4, October-December
Chase Freedom Flex‘s fourth quarter categories will be active October 1.
You must “activate” these categories by December 15, 2021, in order to earn the cash, or points.
The fourth quarter categories include…
Just in time for the holidays!
Flex card holders automatically earn 5% cash back when shopping for gifts, groceries and more when shopping at in store at Walmart or on Walmart.com.
You can also earn 5% cash back on purchases when checking out with PayPal at tens of millions of online businesses.
If you’re shopping online for your holiday gifts, be sure to use PayPal as your payment type and watch the points add up!
Note: You can’t “double up” on using PayPal for purchases at Walmart. You will still only earn 5%.
Ways to Get the Most Out of the Fourth Quarter Bonus Category
If you really want to max out your savings on Chase Freedom Flex for the fourth-quarter categories, here are our tips:
- Do your holiday shopping at Walmart or shop as much as you can online and use PayPal as your method of payment.
- Use your Freedom Flex for all online shopping and use PayPal as your method of payment.
- Buy gift cards at Walmart for use throughout the year.
- Stock up on non-perishables and cleaning supplies at Walmart that won’t go bad during the year.
- Buy items you use often and store them for later in the year such as:
- food storage bags
How Chase Freedom Flex Works
When you pay with your Chase Freedom Flex card, you earn 5% cash back on up to $1,500 total for the quarter, then 1% on purchases after that.
That nets you $75 in savings.
Currently when you apply for the card you will earn a $200 cash back bonus after spending $500 on purchases in the first 3 months.
Other key features include:
- You can now earn unlimited cash back on:
- Travel at 5%
- Dining at 3%
- Drug Stores at 3%
- Earn 1% cash back on all other purchases.
- Cash back rewards NEVER EXPIRE.
- NO annual fee.
Converting Cash Back to “Points” for Free Travel
Chase Freedom Flex actually earns you “points” and 100 points=$1.
So, instead of getting the cash back, if you hold either Chase Sapphire Preferred (my FAVORITE travel credit card; read my full review of this card) or Chase Sapphire Reserve (read my full review of this card), you can transfer your points to your Sapphire card in Chase Ultimate Rewards and use them to book free travel.
So your $500 cash back could actually be converted to 50,000 Chase Ultimate Rewards points!
When transferred to Southwest, 50,000 points can go A LONG WAY when you combine it with the Southwest Companion Pass (which lets one person fly free with you, effectively DOUBLING the value of every point).
Many Southwest flights are 5,000 points or less round-trip — and not just between close cities!
But keep in mind these points DO NOT QUALIFY for the Southwest Companion Pass when transferred to Southwest.
What do you think? Will you add Chase Freedom Flex to your card portfolio?
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