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Chase Freedom Flex Cardholders: Extra Cash Back on Eligible Top Spend Category Expired

5% Back
(Valid Through Dec 31, 2021)
+125 Deal Score
182,368 Views
Chase offers Chase Freedom Flex Cardholders: 5% Cash Back on Your Top Spend Category (eligible categories below) on up to $1500 in total spend from October 1 – December 31, 2021.

Thanks to community member gullibunni for finding this deal.

Note, offer must be activated by December 14, 2021. Offer eligibility may vary by cardholder. Please refer to the forum thread or FAQ Page for additional information & offer discussion.

Eligible Categories:
  • Travel (including Transit)
  • Dining
  • Home Improvement Stores
  • Grocery Stores (not including Target and Walmart purchases)
  • Drugstores
  • Gas Stations
  • Select Live Entertainment
  • Select Streaming Services
  • Fitness Clubs
  • Deal Image
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Original Post

Written by
Edited October 22, 2021 at 09:38 AM by
Received this Chase Freedom Flex promo email today in addition to

Quarterly Bonus Offer

Activate and earn 5% total cash back (4% in addition to your unlimited 1% cash back) from Chase, on up to $1,500 in combined purchases, at Walmart1 and on purchases made using PayPal from Oct. 1–Dec. 31, 2021.

Limited Time: Top spend category bonus

When you activate this quarter, you'll earn 5% total cash back (4% in addition to your unlimited 1% cash back) on up to $1,500 in the eligible rewards category where you spend the most from Oct. 1–Dec. 31, 2021.3 If you use PayPal, a Q4 bonus category, as a payment method for purchases in your top spend category, you will earn a total of 9%.

See FAQ for details.

Eligible Rewards Categories:
• Travel (including transit)
• Dining
• Home Improvement Stores
• Select Streaming Services
• Select Live Entertainment
• Gas Stations
• Drugstores
• Fitness Clubs & Gym Memberships
• Grocery Stores (not including Target and Walmart purchases)

Have questions about how your top spend category offer works with your other bonus category earn? See FAQ for details.
Activate both offers

If you haven't already, activate by Dec. 14, 2021.

https://www.chasebonus.com/ThankY...5546330a9d
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278 Comments

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Featured Comments

Set up PayPal so you can pay with QR codes. Link your Chase freedom flex as the payment method.

CVS is one of the few places that take PayPal QR codes as payment. It's been recommended to use self checkout, if possible. Once you add the gift card, DO NOT click any payment method on the self checkout terminal. Instead, scan your PayPal QR code like you are buying something. Then it will allow you to checkout and pay with PayPal.

If it does indeed stack with the 2% back at drug stores as the other thread suggests, that's 11% back on up to $1500.
·
I don't think you read the whole post...
·
It is only for Freedom Flex.
·

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Joined Apr 2019
L3: Novice
> bubble2 271 Posts
319 Reputation
losthere
10-23-2021 at 08:22 AM.
10-23-2021 at 08:22 AM.
Quote from ieee488 :
Yes.
I got 9% in Q3 with my Flex because Q3 was grocery stores and I was still in my first year with the Flex.

Thank you this helped. Repped.
Reply
Joined Dec 2015
L5: Journeyman
> bubble2 619 Posts
83 Reputation
KevinRitchey
10-23-2021 at 08:52 AM.
10-23-2021 at 08:52 AM.
Listing more credit card offers that products. Sad.
Reply
Joined Jun 2014
L5: Journeyman
> bubble2 649 Posts
94 Reputation
Mangolover111
10-23-2021 at 09:04 AM.
10-23-2021 at 09:04 AM.
Quote from ieee488 :
There is a separate $1500 5% pot.
So you can use the Flex to get 5% at groceries if you have already spent $1500 at Walmart and/or Paypal.
Is this true? So total you can get 5% at the eligible categories up to 1500 + another 5% via paypal/wallmart? Where does it state that?
Reply
Joined Jun 2004
L8: Grand Teacher
> bubble2 3,236 Posts
544 Reputation
ieee488
10-23-2021 at 09:11 AM.
10-23-2021 at 09:11 AM.
Quote from calvinl123 :
Is this true? So total you can get 5% at the eligible categories up to 1500 + another 5% via paypal/wallmart? Where does it state that?
In the FAQ in the original post.
Reply
Joined Nov 2018
L4: Apprentice
> bubble2 416 Posts
236 Reputation
Ivorin
10-23-2021 at 09:15 AM.
10-23-2021 at 09:15 AM.
Is there an easy method these days to convert a Visa gift card directly to cash? Without raising red flags at Venmo, PayPal, or wherever?
Reply
Joined Aug 2010
L3: Novice
> bubble2 296 Posts
107 Reputation
av8r915
10-23-2021 at 09:20 AM.
10-23-2021 at 09:20 AM.
If I were to buy a $500 gift card at a CVS or Walgreens, using my PayPal QR code on my PP app, wouldn't it be: 1% (regular) + 3% (drugstore) + 4% (top spend category) + 4% (PayPal) for 12% total? I know everything is saying 9% is the max you can get out of this deal, so that would mean you can't triple dip the 3% for drugstores, 4% for PP, & 4% for top spend (+ 1% regular CB)? A PP app payment at a CVS or Walgreens store isn't tagged as a drugstore purchase, vs using your Freedom credit card directly there? TIA for any insight.
Reply
Joined Jun 2009
L8: Grand Teacher
> bubble2 3,985 Posts
583 Reputation
LeviathanUltima
10-23-2021 at 09:27 AM.
10-23-2021 at 09:27 AM.
Quote from ieee488 :
It is suppose to be automatic if you had activated for Q4.

This is a screen capture of my Ultimate Rewards page.
yeayeah i dont see anywhere it says bonus 5%. I guess this is YMMV unless you get the email. I guess you can risk it and see if they give it to you, but as of now nothing shows you will get it.
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Joined Aug 2015
New User
> bubble2 8 Posts
10 Reputation
tripurr
10-23-2021 at 09:28 AM.
10-23-2021 at 09:28 AM.
I got the Email but was confused about the "Top Spending" category, so appreciate the explanation very much!
Quote from ieee488 :

Lowe's and Home Depot only accept Paypal on their website, not in their stores.
I'm in for an appliance but can't find the option to add PayPal on Lowe's site. I was able to add it to Home Depot but the ones that I'm interested in are all out of stock. Roll Eyes (Sarcastic)

BTW, slightly off topic: I used FLEX at a Walmart on Oct 1st. The transaction shows as "WM Supercenter" in Grocery category(my one year was up last month) but 1%. All the other "Walmart" and "WM Supercenter" charges are in Grocery with 5%. I hope Chase will straighten it out in the statement as I hate to call them up and complain about a few $.
Reply
Joined Jun 2009
L8: Grand Teacher
> bubble2 3,985 Posts
583 Reputation
LeviathanUltima
10-23-2021 at 09:29 AM.
10-23-2021 at 09:29 AM.
Quote from ieee488 :
In the FAQ in the original post.
yes it says it there, but there is no indicator on the account this offer is valid on all flex account. I didnt see it anywhere on my account. For now it is a risk IMO.
Reply
Joined Jun 2004
L8: Grand Teacher
> bubble2 3,236 Posts
544 Reputation
ieee488
10-23-2021 at 09:37 AM.
10-23-2021 at 09:37 AM.
Quote from tripurr :
I got the Email but was confused about the "Top Spending" category, so appreciate the explanation very much!

I'm in for an appliance but can't find the option to add PayPal on Lowe's site. I was able to add it to Home Depot but the ones that I'm interested in are all out of stock.
You have to click on the tab that says "Other Payment Methods". Then you get Paypal or VISA Checkout.

Quote from tripurr :
BTW, slightly off topic: I used FLEX at a Walmart on Oct 1st. The transaction shows as "WM Supercenter" in Grocery category(my one year was up last month) but 1%. All the other "Walmart" and "WM Supercenter" charges are in Grocery with 5%. I hope Chase will straighten it out in the statement as I hate to call them up and complain about a few $.
Yeah, this happened to my mom and others posted about it.
She bought a $500 VISA gift card and some groceries and only got the 1%.
She called, and Chase said the missing points will be credited on her next statement.
I also bought a $500 VISA gift card but nothing else on that same day at the same Walmart, and I got the full 5%.
Bizarre.
Reply
Joined Jun 2004
L8: Grand Teacher
> bubble2 3,236 Posts
544 Reputation
ieee488
10-23-2021 at 09:43 AM.
10-23-2021 at 09:43 AM.
Quote from av8r915 :
If I were to buy a $500 gift card at a CVS or Walgreens, using my PayPal QR code on my PP app, wouldn't it be: 1% (regular) + 3% (drugstore) + 4% (top spend category) + 4% (PayPal) for 12% total? I know everything is saying 9% is the max you can get out of this deal, so that would mean you can't triple dip the 3% for drugstores, 4% for PP, & 4% for top spend (+ 1% regular CB)? A PP app payment at a CVS or Walgreens store isn't tagged as a drugstore purchase, vs using your Freedom credit card directly there? TIA for any insight.
That's not what Chase's FAQ is saying.
If it is 11% then it's a happy bonus.
I am expecting 9% as not to be disappointed.

In Q1, when Chase still had the AARP VISA, they upped the cash back from gas from 3% to 5% and upped drugstores from 1% to 5% and upped grocery stores from 1% to 5%.
I suspect they are doing the same thing here with drugstores.
1% + 4% (instead of 2%) + 4% (Paypal) = 9%.
.
Reply
Joined Jun 2008
L4: Apprentice
> bubble2 435 Posts
713 Reputation
freeload
10-23-2021 at 09:47 AM.
10-23-2021 at 09:47 AM.
I tried buying a $500 serve visa card at CVS and failed. First I went to the self-check out and the transaction stalled because it was over $250. A cashier then rings me up on a cash register and asks for my ID and swipes it into the system. Then when it comes time to pay he scans my PayPal QR code and tells me that it's not going through. So I aborted that transaction and tried with Vanilla Visa GC at a the self-check-out but that too failed due to being over $250. What did I or the cashier do wrong and is it bad sign that they swiped my ID for such low transaction amount?
Reply
Joined Jun 2004
L8: Grand Teacher
> bubble2 3,236 Posts
544 Reputation
ieee488
10-23-2021 at 09:50 AM.
10-23-2021 at 09:50 AM.
Quote from freeload :
I tried buying a $500 serve visa card at CVS and failed. First I went to the self-check out and the transaction stalled because it was over $250. A cashier then rings me up on a cash register and asks for my ID and swipes it into the system. Then when it comes time to pay he scans my PayPal QR code and tells me that it's not going through. So I aborted that transaction and tried with Vanilla Visa GC at a the self-check-out but that too failed due to being over $250. What did I or the cashier do wrong and is it bad sign that they swiped my ID for such low transaction amount?
Make sure the app is showing the Pay with Paypal QR code.
There is a separate QR code for receiving money with Paypal.

Also, the cashier may have to push a different button for Paypal.
I can't see what he was doing but that is the impression I got.

Wegmans asks for my ID, so I expect it.
.
Reply
Joined Nov 2016
L4: Apprentice
> bubble2 483 Posts
651 Reputation
PennyPackin
10-23-2021 at 09:52 AM.
10-23-2021 at 09:52 AM.
Quote from ieee488 :
You don't see the box at the bottom that says Earn 5% total cash back with a graphic of the Freedom Flex ?

Nope, I don't have that banner below mine. Just some other advertisement, hoping it works out.
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Joined Jun 2004
L8: Grand Teacher
> bubble2 3,236 Posts
544 Reputation
ieee488
10-23-2021 at 09:58 AM.
10-23-2021 at 09:58 AM.
Quote from PennyPackin :
Nope, I don't have that banner below mine. Just some other advertisement, hoping it works out.
Many blogs are talking about this offer and none mention it as being targeted.
Fingers crossed.
Reply
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