Live: Chase Freedom Flex 5x Points Categories Q4 2021

Live: Chase Freedom Flex 5x Points Categories Q4 2021

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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 being a new quarter, this is a reminder that the Q4 2021 5x points categories are live as of today, so start adjusting your spending accordingly. If you haven’t yet registered, make sure you do so. 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 Q4 2021 bonus categories

For the fourth quarter of 2021, the Freedom Flex Card is offering 5x points on the first $1,500 spent at Walmart and PayPal. As far as key dates go:

  • You need to register between September 15 and December 14, 2021
  • If you register, you’ll earn 5x points between October 1 and December 31, 2021

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 Q4 2021 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 PayPal bonus category:

Includes purchases made using your Chase Freedom Flex card with PayPal. Purchases made using PayPal at merchants in the current 5% quarterly categories will be awarded a total of 5% Cash Back rewards on up to $1,500 in combined purchases. Payments made through the Xoom transfer service are not eligible for 5%. Must have/open a PayPal account. Please note, Friends and Family or Person-to-Person (P2P) transactions made with your Chase Freedom Flex card on PayPal may be prohibited or not eligible for 5%.

Here are the terms with the Walmart bonus category:

Purchases in the ‘Walmart’ category include purchases at Walmart Discount Stores, Walmart SuperCenters, Walmart Neighborhood Markets, www.walmart.com, Walmart branded gas stations operated by Walmart, any other Walmart branded retail stores operated by Walmart and purchases made with Walmart Pay. Please note that merchants operating within or on Walmart premises such as merchants that sell fast food, beauty services, and gas stations that are not Walmart branded are not included in this category. Walmart affiliate businesses such as Sam’s Club and local delivery merchants such as Shipt are also not included in this category.

My take on Chase Freedom Flex Q4 2021 bonus categories

Personally I think the Q4 2021 bonus categories should be pretty easy to maximize:

  • Walmart is a popular retailer where it can be tough to otherwise earn bonus points, so many should be able to get value with that
  • Personally I plan on maxing out this bonus category with PayPal purchases, since lots of online retailers accept PayPal in addition to credit cards; for example, you can pay your federal income taxes with PayPal for a fee of under 2% with payUSAtax

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 accrue 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 being a new quarter, you can now start taking advantage of the Q4 2021 bonus categories. This allows you to earn 5x points with PayPal and Walmart. Those should be some pretty easy to maximize bonus categories, in my opinion.

What do you make of the fourth quarter 2021 Chase Freedom Flex bonus categories?

Conversations (21)
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  1. Gronkle Guest

    Has anyone made a single Freedom purchase of greater than $1500 in one of the rotating categories? I’m wondering if you will get 5X points on the first $1500 and 1X on and any remaining about (like you would expect), OR if for any reason the transaction only awarded 1X.

    I have a large purchase that I can make through PayPal very soon and am debating using my freedom or my CFU.

  2. Lisa Guest

    Has anyone shopped at Walmart (in store) and only gotten 1% back? This has happened to me twice since October 1. And yes, I activated my card for this quarter.

  3. Kevin Guest

    Thanks for the tips on PayPal! I was disappointed in this quarter’s categories - no real interest in looking for stuff to buy on Walmart.com instead of stores near me and I don’t use PayPal much- but I hadn’t thought about the places which take PayPal. It’s still not my favorite group but I should be able to find something good.

  4. codesera Guest

    Many retailers around me are not accepting credit cards to purchase gift cards due to people falling victim to online scams. https://codersera.com/

  5. Mike Guest

    Pro-tip:

    Best Buy sells things like Apple Gift cards, etc. and accepts PayPal.
    You can easily buy $1,500 worth of Apple Gift Cards and get 7,500 UR points.

  6. Anthony Thomas Guest

    Last time there was a PayPal quarter I moaned, but in the end I found it accepted at a lot of places if you're doing online shopping. Especially likely for any holiday purchased you might make.

  7. Dixieboz Guest

    Will you get 5% at the Walmart Neighborhood stores? Those code as Grocery. If you have a new card that gets 5% on Grocery Stores for 12 months, would you still be able to double dip by getting 5% for Walmart and 5% for Grocery?? That would be great!!

  8. Dixieboz Guest

    Ben, thank you so much for mentioning the deadline for signing up for this quarter’s bonus! I got the card in August and assumed that I was getting the credit for all my grocery purchases! If I hadn’t seen your reminder, I would have missed out on the points!!

    1. Gman58 Guest

      Bummer... not such an exciting quarter this go round. I do feel some comfort knowing my lack of excitement in the new categories is shared by many others. Will do as much PayPal as possible, as I avoid Walmart at all cost.
      I wish others more success!

  9. Anonymous Guest

    Get PayPal key and link your Freedom/Freedom Flex card to it. Use the card number on the PayPal key for online and over the phone purchases. This is an easy way to max out the PayPal category for this quarter.

    1. Dixieboz Guest

      Thanks for the tip! Unfortunately, PayPal Key is not available to everyone yet. I wish there was a way to get it now!!

    2. Anonymous Guest

      PayPal key has been around since at least Q4 of last year. Not sure how it’s not available to everyone yet.

      As for your grocery question, yes you can double dip but it comes to 9% instead of 10% (1% for standard purchases + 4% bonus for 1st year grocery store purchases + 4% bonus for PayPal transactions).

  10. daftryan Guest

    Amateurs complaining about Walmart. Go buy 3 $500 Visa gift cards and you're set for the quarter. Use them as cash. Pay your bills. Whatever. This is an EASY quarter to max out the bonus.

    1. Eric Guest

      Many retailers around me are not accepting credit cards to purchase gift cards due to people falling victim to online scams.

    2. Steve Gold

      I have never had an issue buying giftcards, that said i get all mine at Staples for the 5x on my free Ink card. 5x on all amazon purchases (just buy the amzn gift card at office supply stores) is the best chase perk no one talks about. (5x on home depot/lowes, and every other place on the gift card racks.

  11. Tina Guest

    I use Paypal to pay QTR taxes @ 1.96%fee. Still come out ahead.

  12. ECR Guest

    When drugstores are the category I've had good luck getting gift cards to trigger 5x (despite terms excluding them).... anyone have luck with Walmart in previous bonus periods?

  13. Duane Guest

    Walmart and PayPal? That's all??

  14. Chris Guest

    Is this only for Freedom Flex? What about the regular Freedom card?

    1. Mark Guest

      They are always the same

  15. Mishas Guest

    Q4 is quite disappointing (for those who do not shop at Walmart or use Paypal much).

Featured Comments Most helpful comments ( as chosen by the OMAAT community ).

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.

Eric Guest

Many retailers around me are not accepting credit cards to purchase gift cards due to people falling victim to online scams.

1
Gronkle Guest

Has anyone made a single Freedom purchase of greater than $1500 in one of the rotating categories? I’m wondering if you will get 5X points on the first $1500 and 1X on and any remaining about (like you would expect), OR if for any reason the transaction only awarded 1X. I have a large purchase that I can make through PayPal very soon and am debating using my freedom or my CFU.

0
Lisa Guest

Has anyone shopped at Walmart (in store) and only gotten 1% back? This has happened to me twice since October 1. And yes, I activated my card for this quarter.

0
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