Chase Freedom Flex is a great cash back credit card that allows you to earn up to 5% cash back on rotating categories each quarter and now unlimited cash back on…
- Travel at 5%
- Dining at 3%
- Drugstores at 3%
- All other purchases at 1%
The Chase Freedom Flex 2021 Categories for the third quarter 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 3, July-September
Chase Freedom Flex‘s third quarter categories will be active July 1.
You must “activate” these categories by August 14, 2021, in order to earn the cash, or points, back.
The third quarter categories include…
1. Grocery Stores
With all of the cooking we are doing from home lately, this will add up quickly!
Some examples of merchants included are:
- Whole Foods
Merchants NOT included in this category include, for example:
2. Select Streaming Services
Here are the services that are included in this category:
- Fubo TV
- Apple Music
Ways to Get the Most Out of the Third Quarter Bonus Category
If you really want to max out your savings on Chase Freedom Flex for the third-quarter categories, here are our tips:
- Use your Freedom Flex for all grocery shopping.
- Buy gift cards at the grocery store for use throughout the year.
- Stock up on non-perishables and cleaning supplies 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
- Be sure to put your streaming services on your Freedom Flex and maybe try a few new ones!
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.
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