Live: Chase Freedom Flex 5x Points Categories Q3 2022

Live: Chase Freedom Flex 5x Points Categories Q3 2022

15
In the interest of full disclosure, OMAAT earns a referral bonus for anyone that’s approved through some of the below links. These are the best publicly available offers (terms apply) that we have found for each product or service. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, hotel chain, or product manufacturer/service provider, and have not been reviewed, approved or otherwise endorsed by any of these entities. Please check out our advertiser policy for further details about our partners, and thanks for your support!

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.

It’s a new quarter, and that also means that the third quarter bonus categories on the Chase Freedom products are live. This is worth being aware of so you can adjust your spending 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, 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 2022 bonus categories

For the third quarter of 2022, the Freedom Flex Card is offering 5x points on the first $1,500 spent with gas stations, car rental agencies, movie theaters, and select live entertainment. As far as key dates go:

  • You need to register between June 15 and September 14, 2022
  • If you register, you’ll earn 5x points between July 1 and September 30, 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 Q3 2022 bonus categories?

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

Here’s whats included with the gas station bonus category:

Merchants in the gas stations category sell automotive gasoline that can be paid for either at the pump or inside the station and may or may not sell other goods or services at their location. Merchants that do not specialize in selling automotive gasoline are not included in this category; for example, truck stops, boat marinas, oil and propane distributors, and home heating companies.

Here’s what’s included in the car rental agencies bonus category:

Merchants in the car rental agencies category rent vehicles for the purpose of driver and passenger transportation. Car rentals not booked directly with the car rental agency will not qualify; for example, car rentals purchased through travel agencies, discount travel sites, vacation clubs, tour operators, or as part of a package offered by merchants such as cruise lines and railways. Merchants that provide RV rentals or vehicle rentals for the purpose of hauling are not included in this category. Qualifying car rental agency purchases made through Chase Ultimate Rewards® will only earn a total of 5%.

Here’s what’s included in the movie theaters bonus category:

Merchants in the movie theaters category show motion pictures to an audience, including at drive-in theaters. Theaters that provide live entertainment and merchants that sell and rent movies or provide movie subscription or streaming services are not included in this category. Purchases other than your tickets will not be included in the category unless they classify as a movie theater; for example, in theatre dining, food and beverage, or merchandise purchases.

Here’s what’s included with the select live entertainment bonus category:

Merchants in the Select Live Entertainment category sell tickets for in-person entertainment such as major sporting events, zoos and aquariums, concerts, theatrical productions, museums, tourist attractions and exhibits, amusement parks, circuses, carnivals, bands, and entertainers. Ticket agencies selling on behalf of the entertainment venue are included. Some merchants that sell tickets for in-person entertainment are not included in this category; for example, movie theaters, bowling alleys, horse racing tracks, casinos, and dance hall/clubs. Purchasing from a hotel/concierge is not included nor excursions or purchases as part of a travel package.

My take on Chase Freedom Flex Q3 2022 bonus categories

Everyone has different spending patterns, though I can’t say I’m terribly excited about the Q3 2022 bonus categories:

  • Gas is a legitimate expense for many, so it’s great to be able to earn 5x points on that
  • I wouldn’t put a rental car purchase on the Chase Freedom, since I’d want to use a card offering primary rental car coverage
  • Both the movie theater and select live entertainment bonus categories are pretty niche, and personally don’t have much appeal for me

Of course we’re not all going to love all these bonus categories equally, but for me Q3 will be a tough one to maximize.

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. Now that it’s the third quarter, you can start earning 5x points on the first $1,500 spent with gas stations, car rental agencies, movie theaters, and select live entertainment. This is a great opportunity for maximizing your spending.

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

Conversations (15)
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.
Type your response here.

If you'd like to participate in the discussion, please adhere to our commenting guidelines. Anyone can comment, and your email address will not be published. Register to save your unique username and earn special OMAAT reputation perks!

  1. Luis Guest

    If you're a Disneyland fan, this is a great multiplier. Generally I charge Disney tickets on a brand new card chasing a sign up bonus. For this year, I'll be using my freedom card to renew our annual passes :-)

    1. Eric Guest

      Unfortunately, Disneyland tickets are under the travel category. Just bought passes on Friday and it appears that we won't be getting the bonus on these.

  2. bryan t Guest

    Book a rental car with a card that has primary insurance and then when returned (hopefully accident free) switch to a freedom for the 5x. That's what I'd do.

  3. Mark Guest

    At least the timing of the gas bonus is good with gas prices being what they are and corresponding with most of the summer travel season.

  4. Eric Guest

    You can change cards on rental car return if it’s not prepaid. I’ve done that plenty of times when trying to burn through a SUB.

  5. Eric Guest

    I drive an EV, so the gas bonus doesn't apply to me. Also, I don't rent a car when i travel since I use public transit, and I never watch any form of outside entertainment. Seems like I really need to maximize this quarter's bonus since I wont be earning much next quarter.

  6. iamhere Guest

    The freedom categories used to be better then they are. Most of them are not very useful these days or do not apply to many people. I think they should generalize it with for example mobile phone services or ride sharing where it is greater that people could take advantage.

    1. OPR Member

      I think a lot of people buy gas. Depending on what you drive of course, filling up 2 vehicles every week could max it out - which I could never do with the 3 phones on our plan. Although sure enough, some people's phone plans probably cost a lot, too.

  7. ccorrect Guest

    It looks like the only signup bonus is $200 after spending $500 - correct?

    And what about foreign exchange fees and % back for overseas purchases like gas , supermarkets and restaurants?

    1. OPR Member

      3% FTF. So you probably don't want to use it overseas either way...

  8. Josh Guest

    Does the 5% Q3 bonus on gas stack with the 5% cash back on up to $6000 in spend in the first year?
    In other words if I spend $100 on gas in Q3 and am also a new card member, does it count toward the $1,500 in Q3 bonus categories or the $6000 bonus on gas in year 1, or both? If both, am I getting a combined 10% back?

    1. SBS Guest

      Most likely you would get 9%: 1% general + 4% new member bonus + 4% category bonus. At least that's how it worked last year with supermarket bonus category.

    2. PhotoNinja New Member

      He’ll definitely get 9% since the two 4% bonuses will stack.

  9. John Guest

    Do Costco Fuel purchases count? I do notice they are coded as “Costco Fuel” on my card statements, rather than a warehouse purchase.

    1. PhotoNinja New Member

      Yes, Costco gas codes as gas.

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.

SBS Guest

Most likely you would get 9%: 1% general + 4% new member bonus + 4% category bonus. At least that's how it worked last year with supermarket bonus category.

1
Eric Guest

Unfortunately, Disneyland tickets are under the travel category. Just bought passes on Friday and it appears that we won't be getting the bonus on these.

0
Luis Guest

If you're a Disneyland fan, this is a great multiplier. Generally I charge Disney tickets on a brand new card chasing a sign up bonus. For this year, I'll be using my freedom card to renew our annual passes :-)

0
Meet Ben Schlappig, OMAAT Founder
4,523,713 Miles Traveled

25,807,500 Words Written

28,675 Posts Published

Keep Exploring OMAAT