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FREEDOM FLEX®
HERE'S YOUR 5% CASH BACK CALENDAR

 

Freedom Flex credit card No Annual Fee
Freedom Flex credit card No Annual Fee

Explore new categories every quarter and start earning.

Here’s what you need to get your 5% cash back.

 

 

January - March

 

Grocery Stores (excluding Walmart® and Target®)

 

Fitness Clubs & Gym Memberships

 

Self-Care and Spa Services

 

 

April - June

 

 

Coming soon

 

 

 

 

 

Activate Starting March 15, 2024

 

July - September

 

 

Coming soon

 

 

 

 

 

Activate Starting June 15, 2024

 

October - December

 

 

Coming soon

 

 

 

 

 

Activate Starting September 15, 2024

Freedom Flex® FAQs

 

Activating your 5% cash back in quarterly bonus categories

You need to activate new 5% cash back in quarterly bonus categories every three months. We ask you to activate because we want to make sure you’re aware when categories change and where you can earn 5% cash back in quarterly bonus categories.

There are 6 easy ways to activate. Just choose the one that’s best for you!

  • Online – visit www.chase.com/ultimaterewards or chase.com/freedomflex
  • Email – provide your email address here. We'll send you an email when it's time to activate. It takes just one click!
  • Chase Mobile App – If you already have the Chase Mobile App, tap here to activate your 5% cash back. Don’t have the Chase Mobile App? Download it here.
  • Phone – call the number on the back of your card and let one of our specialists activate your 5% cash back in quarterly bonus categories.
  • Chase location – visit any Chase bank and see a personal banker.
  • ATM – Chase checking customers can activate their 5% cash back in quarterly bonus categories with one click via the ATM while making a cash withdrawal.

Yes! You can update your email address here to receive email reminders.

Yes! It’s a benefit that comes with your card. All you need to do is activate your 5% cash back every three months at chase.com/freedomflex.

This quarter, the deadline for activation is March 14, 2024. So in order to earn 5% cash back on up to $1,500 in combined purchases in the bonus categories from January 1 - March 31, 2024, so you need to activate by then.

Yes! In fact, you'll earn 5% cash back for all bonus category purchases you've made for the whole quarter (up to $1,500), no matter when you activate as long as it's by March 14, 2024. So if you activate any day before then, you'll earn 5% cash back for category purchases dating back to January 1, 2024.

If you do not activate by March 14, 2024, you will not earn 5% cash back in the bonus categories. You can activate the next quarter's categories starting March 15, 2024. To make sure you don't forget to activate, you can sign up for activation reminders via email at chase.com/freedomflex.

Yes, please activate 5% cash back in quarterly bonus categories on all of your Chase Freedom accounts to make sure you earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter (on each account).

Activation is free and easy! There are no other restrictions around activating your 5% cash back in quarterly bonus categories. Activate your 5% cash back in quarterly bonus categories each quarter, and you will earn bonus rewards as long as your account is open and not in default at the time of fulfillment.

Earning your 5% cash back in quarterly bonus categories

You'll earn unlimited 1% cash back on all purchases. In addition, you'll earn 4% cash back on up to $1,500 spent in combined purchases in the bonus categories from January 1 - March 31, 2024. That's a total of 5% cash back, which means you can earn up to $75 cash back ($15 cash back plus your $60 bonus cash back). You must activate your 5% cash back by March 14, 2024 and use your card between January 1 - March 31, 2024 in the bonus categories to earn bonus cash back.

Merchants who accept Visa/Mastercard credit cards are assigned a merchant code which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note, we make every effort to include all relevant merchant codes in its rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for reward offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category.

In order for a purchase to qualify for 5% cash back in this quarter’s bonus categories, the purchase must post to your account by the last day of the quarter. Sometimes a merchant will charge your card on a date after you make a purchase, such as the shipping date, delivery date, or installation date, and as a result the purchase may not post to your account until after the end of the quarter.

We'll announce the categories each quarter when it's time to activate, so you'll know where you're earning 5% cash back for the coming quarter. Activate now to earn 5% cash back on up to $1,500 in combined purchases at Grocery Stores (excluding Walmart® and Target®), Fitness Clubs & Gym Memberships and Self-Care and Spa Services from January 1 to March 31, 2024. See calendar

You'll earn 5% cash back on up to $1,500 in combined purchases at Grocery Stores (excluding Walmart® and Target®), Fitness Clubs & Gym Memberships and Self-Care and Spa Services when you use your card from January 1 - March 31, 2024. Self-Care & Spa services purchased at hotels may not qualify for 5% cash back.

Merchants in this category include supermarkets, merchants that offer a full-service grocery line of merchandise including a deli and bakery as well as smaller grocery stores. Some merchants that sell grocery items are not included in this category; for example, larger stores that sell a wide variety of goods and groceries, such as warehouse clubs, discount stores and some smaller merchants such as drugstores, and merchants that specialize in only a few grocery items. Purchases made at gas stations from merchants who also operate grocery stores are not included in this category. Delivery service merchants will be included if they classify as a grocery store merchant.

Merchants in this category include health clubs, exercise, or athletic facilities requiring membership and offering access to services related to physical fitness, such as fitness clubs, fitness centers, fitness studios, gyms, aerobics, cardio fitness and other services such as yoga and cross fit training. Merchants that specialize in offering personalized or therapeutic services such as massage therapy, dietary and weight management counseling and personal training are not included in this category. In addition, some merchants that sell a wide variety of general goods, which may include fitness or athletic apparel, sporting goods, dietary food, health food or similar supplements are not included in this category. Also, certain lodging, hotel, motel, resort and central reservation services offering access to third party facilities that include fitness clubs or gyms are not included in this category unless they classify as a fitness club or gym membership merchant.

This category includes self-care and spa services, such as massages, spa treatments, manicures, tanning, and barber and salon services, purchased at merchant locations that specialize in providing these services. These services are typically provided by licensed professionals, however, services provided by medical professionals will not qualify. Purchases of self-care and spa services at merchants that classify their location in another category, for example spa services purchased in a hotel, will not be included unless the merchant classifies the transactions in this category. Purchases of related products and services, for example hair and skincare products purchased at a salon or an overnight stay at a spa, will also not be included unless the merchant classifies the transactions in this category.

You’d be surprised! You can earn up to $75 bonus cash back each quarter ($15 cash back plus your $60 bonus cash back), and you always earn unlimited 1% cash back on all other purchases! Here’s a look at how your cash back can add up over just one quarter:

 

Grocery Stores quarterly spend of $600 earns $30 Quarterly Cash Back.
Plus: Spa Services quarterly spend of $100 earns $5 Quarterly Cash Back.
Plus: Other Spending quarterly spend of $1,500 earns $15 Quarterly Cash Back.
Totals: Quarterly Total spend of $2,200 earns $50 Quarterly Cash Back.

You always earn unlimited 1% cash back on all other purchases. See your Rewards Program Rules and Regulations/Agreement for details.

“Cash Back rewards” are the rewards you earn under the program. Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points. You may simply see “Cash Back” in marketing materials when referring to the rewards you earn. When you use points to redeem for cash, each point is worth $0.01 (one cent), which means that 100 points equals $1 in redemption value. You can use your points to redeem for cash through an account statement credit or electronic deposit into an eligible checking or savings account held by a financial institution located in the United States.

No. You will earn a total of 5% cash back even on purchases that may qualify in two or more eligible categories; for example, using digital wallets at a restaurant when both are categories or buying gas at a gas station attached to a grocery store when both gas stations and grocery stores are categories.

Earning your 5% cash back on Travel purchased through Chase Ultimate Rewards

Yes. You’ll get 5% cash back on travel purchased through Chase Ultimate Rewards every day with Chase Freedom Flex.

This category includes prepaid travel purchases made on chasetravel.com or by calling the number on the back of your card to book. Eligible travel purchases include airline tickets, hotels, car rentals, and cruises. Any items or charges not paid for on chasetravel.com or by calling the number on the back of your card will not qualify. Any portion of your purchase paid for using points will not qualify. You may see “travel purchased through Chase” or “travel purchased through Ultimate Rewards” in marketing materials to refer to travel purchased through Chase Travel. To see a breakdown of your Chase Travel bonus earn, see your Rewards Activity on UltimateRewards.com or on chase.com after accessing your rewards. You can also see it on your monthly card billing statement. Typically, the bonus earn will appear 2-3 days after your transaction posts on UltimateRewards.com or on chase.com after accessing your rewards.

Earning your 3% cash back on Dining and Drugstore purchases

Yes. You’ll get 3% cash back on dining at restaurants and at drugstores every day with Chase Freedom Flex.

This category’s merchants’ primary business is sit-down or eat-in dining, including fast food restaurants and fine dining establishments. Merchants that sell food and drinks located within facilities such as sports stadiums, hotels and casinos, theme parks, grocery and department stores will not be included in this category unless the merchant has set up such purchases to be classified in a restaurant category. Bakeries, caterers, meal kit delivery services, and gift card merchants are not included in the category. Delivery and takeout services will be included if they classify as a restaurant merchant.

Yes, restaurant takeout and eligible delivery services qualify for 3% cash back. See “What is included in the dining at restaurants category?” question for more details.

Earning your 1% cash back

Yes. You’ll get 1% cash back on all other purchases every day with Chase Freedom.

Yes! You’ll earn unlimited 1% cash back at discount and warehouse stores. Chase Freedom always gives 1% cash back at stores like Walmart® and Target®.

No. You will always earn cash back on purchases made with your Chase Freedom card. However, a cash advance is not considered a purchase.

Seeing your 5% cash back in quarterly bonus categories

You earn a total of 5% cash back on up to $1,500 in combined purchases at Grocery Stores (excluding Walmart® and Target®), Fitness Clubs and Gym Memberships and Self-Care and Spa Services from January 1 - March 31, 2024. That means you earn 4% bonus cash back in addition to your 1% standard cash back you earn for a total of 5% cash back.

On your statement, you’ll see your rewards totaled as points in the Rewards Summary section. Your 1% standard cash back will appear as it normally does. Your 4% cash back will be broken out separately into categories with a description of “Bonus from 4Q 5% category”. And if you activate after the quarter has started, you will still get your 5% bonus cash back on all purchases made since January 1, 2024. It will show as “Retro(active) 4Q 5% cat(egory) bonus”.

Merchant List

 

Earn 5% cash back on up to $1,500 in combined purchases at Grocery Stores (excluding Walmart® and Target®), Fitness Clubs & Gym Memberships and on Self Care & Spa Services from January 1 – March 31, 2024, then earn 1% cash back in these bonus categories. Self-Care & Spa services purchased at hotels may not qualify for 5% cash back.

 

Merchants in this category include supermarkets, merchants that offer a full-service grocery line of merchandise including a deli and bakery as well as smaller grocery stores. Delivery service merchants will be included if they classify as a grocery store merchant.

Some merchants that sell grocery items are not included in this category; for example, larger stores that sell a wide variety of goods and groceries, such as warehouse clubs, discount stores and some smaller merchants such as drugstores, and merchants that specialize in only a few grocery items. Purchases made at gas stations from merchants who also operate grocery stores are not included in this category.

Merchants in this category include health clubs, exercise, or athletic facilities requiring membership and offering access to services related to physical fitness, such as fitness clubs, fitness centers, fitness studios, gyms, aerobics, cardio fitness and other services such as yoga and cross fit training.

Merchants that specialize in offering personalized or therapeutic services such as massage therapy, dietary and weight management counseling and personal training are not included in this category. In addition, some merchants that sell a wide variety of general goods, which may include fitness or athletic apparel, sporting goods, dietary food, health food or similar supplements are not included in this category. Also, certain lodging, hotel, motel, resort and central reservation services offering access to third party facilities that include fitness clubs or gyms are not included in this category unless they classify as a fitness club or gym membership merchant.

This category includes self-care and spa services, such as massages, spa treatments, manicures, tanning, and barber and salon services, purchased at merchant locations that specialize in providing these services.

Self-Care & Spa services purchased at hotels may not qualify for 5% cash back. These services are typically provided by licensed professionals, however, services provided by medical professionals will not qualify. Purchases of self-care and spa services at merchants that classify their location in another category, for example spa services purchased in a hotel, will not be included unless the merchant classifies the transactions in this category. Purchases of related products and services, for example hair and skincare products purchased at a salon or an overnight stay at a spa, will also not be included unless the merchant classifies the transactions in this category.

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