The Chase Freedom Flex shines with its 5% points for quarterly rotating categories, and this may just be what you need. This card is great for rewards maximizers or those who are keen to squeeze out every available reward from a card! If you love the idea of maximizing rewards and are up to the challenge to do so, then the Chase Freedom Flex is your card. This is definitely the card to have if you’re accustomed to sticking to a strict spending schedule, and don’t have the time to google spending categories every now and then. This card is low maintenance and won’t require you to register your card every quarter for rotating cash back features. You also don’t need to tailor your budget and spending habits to accommodate certain categories just to get the rewards you need, which could prevent you from overspending. This card fits budgeters as it offers flat rates and predictable features. This straightforward earning is easier for me than wondering what spending categories there are each quarter.
(Although I personally prefer to use my points towards travel versus redeeming for cash back). I can pay insurance premiums, car repairs, and other large bills with these card and get 1.5%. If you want a card that’s straightforward and earns more (1.5% cash back) on every purchase you make, then the Chase Freedom Unlimited is the better choice for you. The Sign-up bonuses for both the Chase Freedom Flex and Chase Freedom Unlimited are similar.
#Chase freedom q3 2022 registration#
Don’t worry though, the registration process is relatively simple and Chase sends out notifications beforehand to make sure you’re in the loop. Because of this rotating nature, Chase Freedom Flex users have to register their card every quarter to be entitled to the 5% cash back. Similar to the Chase Freedom Unlimited, the Chase Freedom Flex also earns the same 3% cash back on dining and drugstores and 5% cash back on travel booked through Chase Ultimate Rewards.įor instance, in 2021, Q1 categories included wholesale clubs, cable, internet, phones services and select streaming services Q2 included gas stations and home improvement stores Q3 included grocery stores (excluding Target and Walmart) and Q4 included Walmart and PayPal. The rotating categories change per quarter and Chase puts out its calendar about 6 months ahead of time. On the other hand, the Chase Freedom Flex is more complicated with 5% cash back on your first $1,500 spent on rotating bonus categories, and then 1% back on everything else. The card is simple and you don’t have to worry about too many category bonuses. You’ll also earn 3% cash back on dining and drugstores and 5% cash back on travel booked through Chase Ultimate Rewards. When it comes to earning points, the Chase Freedom Unlimited structure is very straightforward at 1.5% cash back on all purchases. The similarities between these two cards zero annual fees and good sign-up bonuses. The Chase Freedom Flex and Chase Freedom Unlimited may appear identical but are actually not - despite both being cash back cards. Because of Chase’s 5/24 rule, having a carefully planned credit card strategy for your Chase cards is a must. However, choosing a card that works best for you out of the many options available may prove to be difficult. Not to mention, all of these cards play well with the Chase Ultimate Rewards program. We all love Chase because of its impressive line of personal and business credit cards and the offers that these cards give to their cardholders.
If you’re counting the reasons why we love Chase credit cards, you won’t run out of any.
#Chase freedom q3 2022 update#
Update Jan 13, 2022: These offers below have changed since the time of writing. Some offers below may now be different or unavailable. Note: All offers are accurate at the time of writing. In this article, let’s look at two cards that have proven to be considerable contenders and complimentary to your Sapphire card - the Chase Freedom Flex vs. The Chase Sapphire Preferred is one of our most recommended cards.
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