The History of Chase Freedom | chase freedom

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The Chase Freedom Flex℠ carries no anniversary fee and earns an industry-leading 5% banknote aback on up to $1,500 in categories that circle anniversary (requires activation), 5% on biking purchased through Chase Ultimate Rewards®, 3% on dining and drugstores and 1% on all added purchases. This acceptable rewards bulk agency that if you plan your spending correctly, you can snag a appropriate bulk of banknote aback from the benefit categories alone.

Before we dive in and explain how to aerate this opportunity, it’s important to apperceive that while assorted Chase cards accept “Freedom” in their name, the Chase Freedom Flex℠ is the alone Freedom agenda accessible to new barter that offers alternating 5% benefit cash-back categories. The Chase Freedom Unlimited® and the Chase Freedom® Student acclaim agenda accept altered rewards structures and do not action alternating 5% benefit earning categories.

The Chase Freedom Flex earns 5% banknote aback on up to $1,500 in categories that circle anniversary (requires activation), 5% on biking purchased through Chase Ultimate Rewards®, 3% on dining and drugstores and 1% on all added purchases.

Let’s dig in to how to accomplish the best out of the 5% cash-back categories.

Here are the best contempo anniversary benefit categories for the Freedom Flex card:

Related: Should I Product Change My Chase Freedom To a Freedom Flex?

There’s a small, yet crucial, footfall in adjustment to anniversary that 5% acquire rate. You accept to “activate” the benefit categories on the agenda anniversary quarter. To do so, log into your Freedom Flex anniversary and bang on the baby book area it says “Details” abutting to area it says 5% banknote aback and the accepted months in the quarter.

After you bang on “Details”, you’ll get to a awning with a button to bang that “activates” or opts you into that quarter’s 5% benefit earnings. In the archetype below, the benefit categories for the division are grocery food (excluding Target and Walmart) and eBay.

If you balloon to actuate that quarter’s 5% alternating benefit categories the aboriginal day of the new quarter, don’t worry, Chase gives you some elbowroom and will administer the benefit retroactively to all the purchases you fabricated that quarter. Aback you log into your agenda account, you’ll see the cut off date by which you accept to actuate the bonus. If you don’t actuate this by that quarter’s borderline apparent on the cash-back calendar, you’ll alone acquire the advancing 1% cash-back bulk on your spending in those areas.

In the archetype above, you’ll see that the aftermost date to actuate the January-March categories is Mar 14, 2022.

Now that you’ve activated the 5% benefit categories, it’s time to go shopping. But maybe your spending doesn’t adjust with area you can acquire 5%. This is area it’s time to anticipate alfresco the box and conceivably accomplish some of your arcade needs with the benefit categories in agency you may not commonly accept considered.

For example, if the benefit categories accommodate grocery stores, abounding supermarkets will about advertise allowance cards to places like Amazon, restaurant chains and retail stores. So you ability appetite to put a few bucks on a allowance agenda to awning your abutting night out to banquet or a allowance for a appropriate occasion. Or, if you accept the accumulator space, max out that $1,500 cap affairs domiciliary staples like cardboard towels, toilet cardboard and charwoman articles for the year.

It’s important to apperceive that it alone makes faculty to aerate the benefit categories if you can pay your acclaim agenda in abounding and on time every month. If you’re spending aloft your agency aloof to aerate the anniversary benefit categories, you’ll pay far added in absorption than the amount of any rewards earned.

After you’ve accomplished the $1,500 cap for the quarter, all added spending in the acceptable benefit categories will acquire 1%—a bulk that can calmly be baffled by added cards. Your Chase anniversary includes a clear that measures how abundant you accept larboard afore you’ve hit the best balance of $75. This is decidedly accessible if you commutual your Freedom with addition card. Once you’ve accomplished that spending cap, you can about-face to application a agenda that earns a college bulk than the 1% you’ll get on the Freedom Flex for purchases alfresco of the benefit categories.

Related: Should You Accept Assorted Freedom Flex and Freedom Unlimited Cards?

Earning banknote aback on a no-annual-fee acclaim agenda is a agitating money-saver. Anticipate of it like a abatement every time you shop. And 5% banknote aback abiding beats 1% banknote back. Of course, you should never buy things you don’t charge artlessly to acquire rewards and there is acceptable to be a time aback the categories for a accurate division artlessly won’t bout up with your spending habits.

But aback you can hit that $1,500 spending cap, you’ll acquire aback $75 that division for your efforts—meaning it’s accessible to acquire a best of $300 for the year aloof on the 5% categories. For a agenda with no anniversary fee, that’s a abundant value. Advanced credibility and afar players will acceptable amalgamate those balance with a exceptional Chase Ultimate Rewards®-earning agenda like the Chase Sapphire Reserve®, the Chase Sapphire Preferred® Agenda or the Ink Business Preferred® Acclaim Agenda area those rewards could be account up to 25% to 50% added if acclimated to book biking through the Ultimate Rewards site, acclimated to Pay Yourself Aback or transferred to auberge and airline partners.

Related: 7 Acclaim Cards That Complement The Chase Freedom Flex

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