Live: Chase Freedom Flex 5x Points Categories Q1 2022

Live: Chase Freedom Flex 5x Points Categories Q1 2022

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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 it now being a new quarter (and a new year, for that matter), this is a reminder that new 5x points categories have just launched for the card. You’ll want to be sure you register and start using your credit card accordingly. Note that these same bonus categories are also valid for the Chase Freedom Card, which is no longer open to new applicants.

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.

Since I value one Ultimate Rewards point at significantly more than one cent, that’s my preferred use of those points.

Chase Freedom Flex Q1 2022 bonus categories

For the first quarter of 2022, the Freedom Flex Card is offering 5x points on the first $1,500 spent at grocery stores and eBay. As far as key dates go:

  • You need to register between December 15, 2021, and February 14, 2022
  • If you register, you’ll earn 5x points between January 1 and March 31, 2022

How to register your Chase Freedom Flex

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.

What’s included with Chase Freedom Flex Q1 2022 bonus categories?

There’s often some confusion about what purchases qualify with the bonus categories, so let me recap Chase’s definitions.

Here are the terms with the grocery store bonus category:

Merchants in the Grocery Stores 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, such as Target, Walmart, discount stores, warehouse clubs, 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 not be included in this category unless the merchant has set up such purchases to be classified in the grocery stores category.

Here are the terms with the eBay bonus category:

The eBay category includes Buy It Now and Auction purchases made on the ebay.com marketplace and eBay mobile app. Transactions must post to your credit card statement during the qualifying quarter to be eligible.

My take on Chase Freedom Flex Q1 2022 bonus categories

Personally I think the Q1 2022 bonus categories should be pretty easy to maximize:

  • It’s always great to earn bonus points on grocery store spending, since that’s a big expense category for many families
  • The eBay bonus category will be useful for those who use eBay, though I don’t remember the last time that I used the website

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. With it now being a new year, the Q1 2022 bonus categories have just launched. Cardmembers who register can earn 5x points on the first $1,500 spent with grocery stores and eBay through March 31, 2022.

What do you make of the first quarter 2022 Chase Freedom Flex bonus categories?

Conversations (16)
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  1. ps241 Guest

    "The eBay category includes Buy It Now and Auction purchases made on the ebay.com marketplace and eBay mobile app."

    Does anyone else take the above to mean that purchases by U.S. Chase cardholders on other (international) ebay sites are NOT included (ebay.au, ebay.uk, etc.)?

  2. iamhere Guest

    This card by itself is not very valuable. If combined with Sapphire or Reserve it may be okay to hold. I guess most people average 1 or 2 quarters being useful to them.

  3. Lisa Guest

    I signed up less than 12 months ago, so I'm already getting 5x on grocery spend. Does this stack with the first quarter promotion? Will this mean 10x on grocery thru March 31?

    1. Rico Member

      I googled it. According to DansDeals for Q3 last year: "If you signed up for the Chase Freedom Flex when it launched with an intro offer of 5% back on $12,000 of groceries in your first year, you can stack that offer with Q3’s grocery bonus! As both offers are actually 4 bonus points per dollar on top of the 1 base point, you will earn an effective 9 points per dollar on up to $1,500 of grocery purchases"

    2. Igor F New Member

      I can confirm I was getting 9x on groceries Jul 1 to Sep 30 this year, when groceries were a quarterly 5x category.

    3. Anonymous Guest

      Same. I had 9% back on grocery purchases in Q3 2021 (up to $1,500) because the first year grocery bonus stacked with the quarterly bonus.

  4. Duane Guest

    Grocery stores are a great category, but it's still annoying that they make you go in and register every quarter instead of just giving you the bonus automatically.

    1. pstm91 Diamond

      I don't like the Grocery store category because I already have cards that earn 4x points (yes, obviously 5x > 4x), so I don't see it as that much of a perk. I much prefer when they hit categories that I am not already getting a great return on.

  5. Ben F Guest

    Wasn't 5x for grocery spend part of the first year spending bonus on the Chase Freedom Flex? Does this make the quarter close to useless for Freedom Flex except for EBay? Seems pretty cheap of Chase to make the main quarterly bonus category overlap with their own credit card sign-up incentive. Sigh.

    1. Igor F New Member

      I signed up for the 12 month 5x grocery offer in April 2021 and was getting 9x on groceries from July 1 to September 30, when groceries were a quarterly bonus category.

    2. Anonymous Guest

      Actually no. If you have the first year grocery bonus with the Freedom Flex, you'll be able to get 9% back on grocery purchases in Q1 2022 since the two bonuses would stack on top of each other (4% for first year groceries, 4% for grocery category, 1% for standard purchase rate).

  6. Michael Guest

    Chase just converted my Freedom to a Freedom Unlimited, so it seems to me they are sunsetting the original.

    1. pstm91 Diamond

      Did you use the Freedom card, or was it stuffed in a drawer? I do use mine a little bit, so hoping it was the later. Otherwise thanks for the heads up!

    2. Michael Guest

      For about the past year, I’ve had just one small, recurring monthly charge on it. So not much, but not zero. In 2020, I did use it more.
      I was surprised they sent me the Unlimited, since the legacy card was more similar to the Flex. But I guess the Flex is just one phone call away, if I want.

  7. Fsuga Guest

    I've placed an order for a BMW i4 and am trying to find a credit card that offers bonus points/cash on electric vehicle charging to replace my loss of earning in the gas category. Does anybody know of one worthwhile?

    1. Andrew Guest

      Mobile wallet purchases have worked well for me. Or just a standard 2x from double cash or venture. As an i3 owner, you will be doing 95% of your charging at home which is a utility payment. Fast charging gets expensive fast.

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The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

Rico Member

I googled it. According to DansDeals for Q3 last year: "If you signed up for the Chase Freedom Flex when it launched with an intro offer of 5% back on $12,000 of groceries in your first year, you can stack that offer with Q3’s grocery bonus! As both offers are actually 4 bonus points per dollar on top of the 1 base point, you will earn an effective 9 points per dollar on up to $1,500 of grocery purchases"

1
ps241 Guest

"The eBay category includes Buy It Now and Auction purchases made on the ebay.com marketplace and eBay mobile app." Does anyone else take the above to mean that purchases by U.S. Chase cardholders on other (international) ebay sites are NOT included (ebay.au, ebay.uk, etc.)?

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Michael Guest

For about the past year, I’ve had just one small, recurring monthly charge on it. So not much, but not zero. In 2020, I did use it more. I was surprised they sent me the Unlimited, since the legacy card was more similar to the Flex. But I guess the Flex is just one phone call away, if I want.

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