The Chase Freedom FlexSM Credit Card (review) is an incredible no annual fee card belonging to Chase’s Freedom portfolio, which can help you maximize your points, thanks to its quarterly bonus categories. With a new quarter being right around the corner, Chase has just launched its Q3 2025 bonus categories, so I’d highly recommend registering ASAP.
Note that these same bonus categories are also valid for the Chase Freedom Card, which is no longer open to new applicants.
In this post:
Why I love the Chase Freedom Flex
The Chase Freedom Flex Card is easily one of the best no annual fee cards out there, as it offers 5x points in rotating quarterly categories, for up to $1,500 of spending per quarter. Most people use this as a cashback card, meaning the 5x points really translates into 5% cashback in these categories.
The card has other bonus categories as well, as it offers 3x points (or 3% cash back) at drugstores and on dining.
The best part is that in conjunction with the Chase Sapphire Preferred® Card (review), Chase Sapphire Reserve® Card (review), or Ink Business Preferred® Credit Card (review), points earned on this card can be converted into Ultimate Rewards points, and be transferred to the Ultimate Rewards airline and hotel partners, or can be redeemed at a favorable rate through the Chase Travel Portal.
Since I value one Ultimate Rewards point at significantly more than one cent, that’s my preferred use of those points.
Chase Freedom Flex Q3 2025 bonus categories
For the third quarter of 2025, the Freedom Flex Card is offering 5x points on the first $1,500 spent on gas stations, EV charging, select live entertainment, and Instacart. As far as key dates go:
- You need to register between June 15 and September 14, 2025
- If you register, you can earn 5x points between July 1 and September 30, 2025
How to register your Chase Freedom Flex for 5x points
Registration is easy — just go to the registration page and enter your last name, billing zip code, and the last four digits on your card, and you’ll be registered.
My take on Q3 2025 5x points categories
Everyone has different spending patterns, so will have different takes on the quarterly bonus categories. Personally, the Q3 2025 bonus categories don’t excite me much. I don’t really use Instacart, so this will be useful for gas stations, but I also don’t spend anywhere close to $1,500 per quarter on gas. But still, some bonus category is better than none.
How to make Chase Freedom Flex points more valuable
To recap, you earn points on the Chase Freedom Flex, and each point can be redeemed for one cent cashback.
However, if you have this card in addition to one of the cards that accrues Ultimate Rewards points, you can transfer these points to Ultimate Rewards. Cards that accrue Ultimate Rewards Cards include the:
So 5% cashback converts into 5x Ultimate Rewards points per dollar with one of the above cards.
Bottom line
The Chase Freedom Flex is one of the best no annual fee cards out there, thanks largely to the ability to earn 5x points in rotating quarterly categories. The Q3 2025 bonus categories have just been launched, so now is a good time to register. Between July 1 and September 30, 2025, it’ll be possible to earn 5x points on gas stations, EV charging, select live entertainment, and Instacart.
What do you make of the Q3 2025 Chase Freedom Flex bonus categories?
Will this be available on the the Freedom Unlimited..rood trip coming up
Thanks
Better than I thought at first. I've got a small 800 mile road trip set up for July so that will help. In September I may have a road trip, but in Europe. Foreign transaction fees cancel out 5 pts.
This card has become increasingly useless. The categories have become more specific or overlap with other cards that provide the same or a better offer
Yay finally someone included ev charging with gas not that it cost that much to charge.
F’ing worthless and worse than last quarter, what a pisser. Particularly since I just downgraded my Sapphire to a Freedom and I already had the Flex.
Useless for me. The reward categories seem to be becoming less and less valuable over time...
Ugh - Useless categories for me. Wish they had included public transportation for those who don't have or don't frequently use a car.
Yeah that's a bust for me. Try to get gas at Costco and if course that's visa only. Ah well
Citi and discover also have 5% back for gas. Would be nice if they had travel, restaurants and grocery.
These categories tend to always come at the most inconvenient time for me, but finally this one is perfect timing. Going on a big road trip out west in August!