Live: Chase Freedom Flex 5x Points Categories Q3 2021 (Register Now)

Live: Chase Freedom Flex 5x Points Categories Q3 2021 (Register Now)

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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.

It’s a new quarter (where has 2021 gone?!), so that means it’s time to take advantage of the Chase Freedom Flex 5x points categories for Q3 2021. I you have this card, be sure you register ASAP, because otherwise it’s easy to forget to 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 Card

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 Q3 2021 Bonus Categories

For the third quarter of 2021, the Freedom Flex Card is offering 5x points on the first $1,500 spent at grocery stores and on select streaming services. As far as key dates go:

  • You need to register between June 15 and September 14, 2021
  • If you register, you’ll earn 5x points between July 1 and September 30, 2021

How To Register Your Chase Freedom Flex Card

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 2021 Bonus Categories?

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

The grocery store category has the following exclusions:

Larger stores that sell a wide variety of goods and groceries, such as Target®, Walmart®, warehouse clubs, discount stores and some smaller merchants such as drugstores, and merchants that specialize in only a few grocery items.

Purchases made at gas stations operated by merchants who also operate grocery stores. Delivery service merchants unless they classify as a grocery store merchant.

The select streaming services category includes subscriptions paid with the following merchants:

  • Disney+
  • Hulu
  • ESPN+
  • Netflix
  • Sling
  • Vudu
  • Fubo TV
  • Apple Music
  • SiriusXM
  • Pandora
  • Spotify
  • YouTube TV

My Take On Chase Freedom Flex Q3 2021 Bonus Categories

Personally the first and second quarter 2021 bonus categories weren’t particularly useful to me based on my spending patterns. However, the third quarter bonus categories are much more useful to me.

Realistically I should be able to max out the 5x points on grocery store purchases. I’m not sure I’ll get much value out of the streaming services category, since I feel like so many cards are constantly offering promotions on those kinds of purchases, and realistically it’s not that big of a spending category for me.

While I’ve sock-drawered the Freedom Flex for the first half of the year, the good news is that I should get use out of it again starting this quarter.

How To Make Chase Freedom Flex Points Even 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.

You can now start taking advantage of the third quarter 2021 bonus categories on the Chase Freedom Flex. If you’ve registered, you can begin earning 5x points at grocery stores and on select streaming services. These are solid bonuses that should prove useful to many.

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

Conversations (21)
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  1. patrick

    My Home Improvement stores sell GC to various merchants so there is that opportunity to get 5x

  2. Anthony

    Earning more UR points than every with Freedom Unlimited and Freedom Flex. CSR not even necessary.

    1. DuaneU2

      Except you need a CSR or CSP account to transfer the points to redeem for travel rewards, otherwise it's just a cash back card.

    2. Anthony

      Well aware of that - the point is that you don't need to swipe those cards at all (I have CSP)

    3. Sean

      Agreed, Anthony. No reason to spend on CSP/CSR unless you go out of the country (since no foreign transaction fees). Really waiting on chase to figure out what it's going to do with the CSP since it's kind of in a no-man's land.

  3. Eric

    Darn. I'm already getting 5x on groceries through the Chase Freedom Flex welcome bonus and the 5x through Chase United Explorer card till August.

    1. Sean

      Came here to say this. this is poor planning on Chase's part. Almost everyone who signed up for the flex last year has 5x on groceries. Unless...are they gonna give us 10x on groceries to compete with Amex? Will we be able to double dip promotions???

  4. Jonathan

    Ben, do you know if the freedom flex Q3 bonus for grocery stores would stack with the 5x welcome bonus?

    1. ST

      Even though it's not confirmed, I suspect yes to the stacking but you'll get 9x instead of 10x.

      Data point - in Q4 2020, I used PayPal to purchase something from Whole Foods. I got the 4x bonus for both PayPal and groceries and the 1x for standard purchases.

    2. KL

      This is key. 9-10X = amazing (but I doubt this is happening).
      No 9-10X = lame for many of us in this boat.

  5. David

    The grocery bonus is very annoying if those of us who get this during the period where you got the first year 5x on that. If we get nothing add'l (which I strongly suspect will be the case) it basically nullifies a category for us.

  6. Sydney

    Sean this is what I was wondering, too. Is the 5x points on groceries going to be in addition to the 5x I already earn for the first year bonus? Or is it just going to be a wash...

  7. Daleinthesky

    On Chase's Freedom Flex site it states that if you should be able to combine the Q3 bonus points with the new Freedom Flex cardmember grocery bonus. Here's their wording: "Yes, as long as you are activated for the quarter, you will earn both offers simultaneously until you reach the spend cap for each offer ($1,500 quarterly spend cap applies to combined purchases for both quarterly bonus categories: Grocery Stores and Select Streaming Services); however,...

    On Chase's Freedom Flex site it states that if you should be able to combine the Q3 bonus points with the new Freedom Flex cardmember grocery bonus. Here's their wording: "Yes, as long as you are activated for the quarter, you will earn both offers simultaneously until you reach the spend cap for each offer ($1,500 quarterly spend cap applies to combined purchases for both quarterly bonus categories: Grocery Stores and Select Streaming Services); however, please note, since both your new cardmember bonus and quarterly bonus are earned as 4% bonus cash back on top of the 1% cash back earned on every purchase, the most you will earn per $1 in grocery store purchases in Q3 is 9% cash back: 1% earn on every purchase, plus 4% for the quarterly bonus, plus 4% for the new cardmember bonus. Your 1% and 4% bonus earns will display as separate lines on your billing statement.

    I'll keep my fingers crossed til it happens but should be good to go!

    1. Daleinthesky

      This is in the FAQ's section on the Freedom Flex Rewards section.

  8. Sung

    My CF Flex has the promotional 5% grocery bonus for the first year, from the sign up bonus. Does this means I will get 10%?

  9. profan

    Are grocery stores like lidl and Aldi included in the 5x?

  10. Gary

    Do the cash back awards apply to overseas purchases also ?

  11. Gary

    Are there foreign transaction fees ?

  12. Judy

    I'm curious why Flex chose groceries since they are already giving 5 X on groceries for the first year of having the account

  13. Sup

    Hey can we earn double 5% on grocery stores?

Featured Comments Load all 21 comments Most helpful comments ( as chosen by the OMAAT community ).

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KK13

Yes

Sup

Hey can we earn double 5% on grocery stores?

Judy

I'm curious why Flex chose groceries since they are already giving 5 X on groceries for the first year of having the account

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