9/3/2023 0 Comments Chase freedom login enrollAfter you meet the $1,500 quarterly cap, your rewards rate drops to 1% back on purchases in that category.Ĭhase announces its bonus categories on a quarter-by-quarter basis. To start, you can enroll in a different bonus category each quarter and earn 5% cash back on up to $1,500 in spending in that category. Great cash back rates and varietyĪs its name implies, the Freedom Flex comes with a flexible cash back rewards program that offers a combination of year-round and quarterly rotating bonus categories. Meanwhile, the card’s sign-up bonus should be easy to reach and its Mastercard benefits include some nice travel and purchase protection perks, as well as credits for select food delivery and online shopping services. If you plan on making any big purchase with your Freedom Flex card, you’ll also appreciate the card’s intro APR offer, which gives you a chance to chip away at large expenses over time or pay off a large debt to minimize interest, but also earn big rewards on new purchases. Your cash back redemption options are flexible, too, and you can even redeem your earnings for travel through Chase’s Ultimate Rewards travel portal without sacrificing rewards value. The card offers terrific variety with its rotating bonus categories, encouraging you to plan out purchases and adjust your spending habits to reap big rewards. If you get a kick out of strategizing how to maximize your rewards, you’ll love the Freedom Flex. Why you might want the Chase Freedom Flex Rotating categories may not match your spending that season, leaving you to earn lower rewards on most of your purchases.Some categories are hard to take full advantage of such as streaming services. Hard to maximize: There’s a spending cap on the rotating categories of $1,500. While this fee is common, it can cut into what you save on interest depending on the balance. Balance transfer fee: This card comes with a 3 percent or $5 balance transfer fee, whichever is higher.Some larger spending categories like groceries and gas may only pop up for a single quarter each year (if at all), limiting the card’s rewards potential as a standalone option. That said, the card’s rotating categories may not always line up with your spending habits. Thanks to its generous rewards rate, the Freedom Flex could be a good fit if you want to earn travel rewards without an annual fee, or are considering adding a premium Chase travel card like the Chase Sapphire Reserve card to your wallet. Offering a unique cash back program that should excite foodies, frequent travelers and fans of cash back variety alike, the Chase Freedom Flex charges no annual fee and offers cash back in an array of rotating categories.īut unlike its predecessor, the popular (and now-retired) Chase Freedom card, the Freedom Flex also carries bonus cash back in some categories year-round, allowing cardholders to enjoy consistency in a few key spending categories and variety in others throughout the year.
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