The Citi Custom Cash created a new earning structure when the card was launched. This card allowed card members to earn 5% in the bonus category where you spend the most each month. Chase has now joined Citi with a similar earning structure in the fourth quarter on its Chase Freedom Flex. For more detailed information on this card, check out the Chase Freedom Flex Review, sometimes referred to as the Chase Flex Card.
One would assume American Express is looking for ways to incorporate this type of flexible earning structure on one of its cards. If I had to guess, the Amex EveryDay Card is a good candidate. It’s a no annual fee card that likely has a similar customer demographic as the Citi Custom Cash and Chase Freedom Flex.
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What is the Chase Freedom Flex top spending category offer?
Cardmembers earn 5% cash back on up to $1,500 on the bonus category where you spend the most between October 1 – December 31, 2021. You earn 1% cashback on all purchases plus 4% cashback on the bonus category where you spend the most through the end of this year. This is a great addition to see added to the Chase Freedom Flex benefits.
What Chase Freedom Flex bonus categories are included in the top spending category?
Travel (including Transit), Dining, Home Improvement Stores, Grocery Stores (not including Target and Walmart purchases), Drugstores, Gas Stations, Select Live Entertainment, Select Streaming Services, and Fitness Clubs are included in this offer.
Can you stack the 5% Q4 PayPal bonus with the top spending category bonus?
Yes! You earn 9% cashback if you use PayPal with a top spending category merchant. The earning structure would be as follows:
- 1% earned on all purchases
- 4% Q4 PayPal bonus
- 4% top spending category bonus
- 9% total cashback earned
Can you stack the 3% dining or drugstores bonus category with the top spending category offer?
Yep! Cardmembers earn 7% cashback if you use your card at dining/drugstores, and dining/drugstores are your top spending category through the end of the year:
- 1% earned on all purchases
- 2% earned on dining/drugstore purchases
- 4% earned on dining/drugstores
- 7% total cash back earned
Can you stack the 5% Utltiamte Rewards bonus catgory with the top spending category offer?
Oh, yea! You earn 9% cashback if you use your card to book travel through Chase Ultimate Rewards and travel is your top spending category through the end of the year:
- 1% earned on all purchases
- 4% earned on travel booked through Chase Ultimate Rewards
- 4% earned on travel
9% total cash back earned
Can you stack the 5% new cardmember grocery bonus category with the top spending category offer?
For sure! Cardmembers earn 9% total cashback if you use your card at grocery stores and your spending category through the end of the year is grocery stores:
- 1% earned on all purcahses
- 4% earned at grocery stores in your first cardmember year
- 4% earned at grocery stores
- 9% total cash back earned
Chase Freedom Flex FAQs
Who qualifies for Chase Freedom Flex?
Data points suggest you are eligible for this card if your credit score is more than 690 and you comply with the Chase 5 24 Rule.
Is Chase Freedom Flex hard to get?
The card can be challenging to be approved for if your credit score is not at least 700 per this data source.
Is Chase Freedom Flex good for beginners?
You bet! Check out this review to learn more.
What credit score do you need for the Chase Freedom Flex?
700+ per this data source.
Difference between the Chase Freedom Flex vs Chase Freedom?
Check out this review and this review to see the difference between the two cards.
What are the bonus categories on the Chase Freedom categories in 2021?
The Q4 bonus categories are PayPal and Walmart.
What are the bonus the Chase Freedom Flex categories?
The Q4 bonus categories are PayPal and Walmart.
What do you make of the Chase Freedom Flex Card, top spending category? How do you like to earn Chase cashback or points on the Chase Flex Credit Card? Please let me know in the comments below or by sending me an email on my contact page.
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