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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
182,429 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

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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Deal
Score
+125
182,429 Views
5% Back

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 Aug 2009
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> bubble2 548 Posts
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EliteGeek
10-26-2021 at 03:47 PM.
10-26-2021 at 03:47 PM.
Quote from ieee488 :
Some people did not get the email from Chase about the offer, so it may be targeted.

If you apply for Flex now, it is almost certain there will be a grocery category in 2022.
That will stack and give you 9%.
Make sure that when you apply that the terms are 5% for grocery for the first year.
I have read that Chase is offering different sign-on terms.
.
Alright, so really just a hit or miss. I might give it a shot and apply anyway for the $200 back.
Reply
Joined Jun 2010
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> bubble2 648 Posts
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ebf
10-27-2021 at 06:52 AM.
10-27-2021 at 06:52 AM.
Quote from ebf :
So, most of my Flex normal bonus category quarterly spend already happened with PayPal Key paying childcare and medical bills—none of which count as a "top spend" bonus category. Does this deal only apply to your actual top spend category (in my case childcare) or to charges that are the highest total in one of the specific "top spend" bonus categories? Like, if this month is spend $1000 childcare (PPK), $500 medical (PPK), $500 grocery (not PayPal), will I get 5% on the grocery portion of my quarter's spend? Or at I out of luck because childcare is not a "top spend" bonus category?
Still looking for an answer to this. Anyone know for sure?
Reply
Joined Jun 2004
L8: Grand Teacher
> bubble2 3,236 Posts
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ieee488
10-27-2021 at 07:19 AM.
10-27-2021 at 07:19 AM.
Quote from ebf :
Still looking for an answer to this. Anyone know for sure?
Childcare is not one of the top spend categories. Neither is medical.
So you get 5% on those.

You will get also 5% on the grocery.
Had you been able to use Paypal with grocery (Giant Eagle), you would get 9%.

.
Reply
Joined Jun 2010
L5: Journeyman
> bubble2 648 Posts
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ebf
10-27-2021 at 12:39 PM.
10-27-2021 at 12:39 PM.
Quote from ieee488 :
Childcare is not one of the top spend categories. Neither is medical.
So you get 5% on those.

You will get also 5% on the grocery.
Had you been able to use Paypal with grocery (Giant Eagle), you would get 9%.

.
So, you are saying the deal applies to charges that are the highest total in one of the specific "top spend" bonus categories and any higher spend in a category outside of the offer-specific categories don't matter. Thanks. I won't be able to max this out using PayPal+deal category, but I don't currently have a 5% grocery option this quarter. (My first Flex year just ended.) This offer comes in handy.
Reply
Joined Jun 2004
L8: Grand Teacher
> bubble2 3,236 Posts
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ieee488
10-27-2021 at 01:04 PM.
10-27-2021 at 01:04 PM.
Quote from ebf :
So, you are saying the deal applies to charges that are the highest total in one of the specific "top spend" bonus categories and any higher spend in a category outside of the offer-specific categories don't matter. Thanks. I won't be able to max this out using PayPal+deal category, but I don't currently have a 5% grocery option this quarter. (My first Flex year just ended.) This offer comes in handy.
Yes. Chase made this offer out to be almost identical to Citi's Custom Cash card.
In your hypothetical case, you have another $1000 to spend on grocery and get the 5%.
They are two different offers where Paypal is the only overlap.
Reply
Joined Jun 2010
L5: Journeyman
> bubble2 648 Posts
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ebf
10-27-2021 at 03:22 PM.
10-27-2021 at 03:22 PM.
Quote from ieee488 :
Yes. Chase made this offer out to be almost identical to Citi's Custom Cash card.
In your hypothetical case, you have another $1000 to spend on grocery and get the 5%.
They are two different offers where Paypal is the only overlap.
Dang it! I just realized I can add my PayPal Key as a payment option to Shipt/Instacart, both of which code as grocery when used directly. I've got $350 left for Q3 PayPal spend so that's something!
Reply
Joined Jun 2004
L8: Grand Teacher
> bubble2 3,236 Posts
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ieee488
10-27-2021 at 04:20 PM.
10-27-2021 at 04:20 PM.
Quote from ebf :
Dang it! I just realized I can add my PayPal Key as a payment option to Shipt/Instacart, both of which code as grocery when used directly. I've got $350 left for Q3 PayPal spend so that's something!
Every little bit helps.
9% of $350 = $31.50 with just a few clicks. :-)
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Joined Mar 2011
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> bubble2 408 Posts
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tigerflash18
10-27-2021 at 09:17 PM.
10-27-2021 at 09:17 PM.
I didn't get an email about this and it seems risky to use my card on it when I have other cards that get better rewards in general. Don't think it's worth the risk to try.
Reply
Joined Jan 2011
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vajratlr
10-27-2021 at 09:49 PM.
10-27-2021 at 09:49 PM.
Not sure if this has been shared but I am quite sure 11% from drugstores is highly possible. I bought $1500 VGC'S from CVS and 7% have already showed up on my account. 4% top cat will probably post end of quarter.
Reply
Joined Jan 2011
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vajratlr
10-27-2021 at 09:52 PM.
10-27-2021 at 09:52 PM.
Quote from tigerflash18 :
I didn't get an email about this and it seems risky to use my card on it when I have other cards that get better rewards in general. Don't think it's worth the risk to try.

What other cards will give you more than this? I'm struggling to think of any... Read my comment right below yours. And even at 5%, it's probably the best reward available in all credit cards.
Reply
Joined Mar 2011
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> bubble2 408 Posts
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tigerflash18
10-27-2021 at 09:55 PM.
10-27-2021 at 09:55 PM.
Quote from vajratlr :
What other cards will give you more than this? I'm struggling to think of any... Read my comment right below yours. And even at 5%, it's probably the best reward available in all credit cards.

I'm saying that if I try to use this card for something like travel in order to get the bonus, and then they don't give it to me because I didn't get the email, I will only get 1%, when I could have used another credit card that has much better than 1%
Reply
Joined Jan 2011
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vajratlr
10-28-2021 at 11:14 AM.
10-28-2021 at 11:14 AM.
Quote from tigerflash18 :
I'm saying that if I try to use this card for something like travel in order to get the bonus, and then they don't give it to me because I didn't get the email, I will only get 1%, when I could have used another credit card that has much better than 1%

I see, just maximize by going to CVS and buy some VGC'S. Then use those VGC'S for your travel expenses or whatever.. 11% is a lot. You might even want to think about transferring your points to a hotel or airline partner and book. I never use my points for CB or book direct in chase app.
Reply
Joined Mar 2011
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tigerflash18
10-28-2021 at 11:33 AM.
10-28-2021 at 11:33 AM.
Quote from vajratlr :
I see, just maximize by going to CVS and buy some VGC'S. Then use those VGC'S for your travel expenses or whatever.. 11% is a lot. You might even want to think about transferring your points to a hotel or airline partner and book. I never use my points for CB or book direct in chase app.

I don't think you know what I'm saying: there's no guarantee that everyone is going to get this 11% that has the freedom flex, this promotion could very well be targeted. I received no email from Chase about this promotion so I would be risking myself trying to get it. If I go and buy these vgc's you're talking about with my card and only get 1-5% reward from it, that would have been a pretty dumb waste of time, don't you think?
Reply
Last edited by tigerflash18 October 28, 2021 at 11:35 AM.
Joined Jun 2004
L8: Grand Teacher
> bubble2 3,236 Posts
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ieee488
10-28-2021 at 12:19 PM.
10-28-2021 at 12:19 PM.
Quote from tigerflash18 :
I don't think you know what I'm saying: there's no guarantee that everyone is going to get this 11% that has the freedom flex, this promotion could very well be targeted. I received no email from Chase about this promotion so I would be risking myself trying to get it. If I go and buy these vgc's you're talking about with my card and only get 1-5% reward from it, that would have been a pretty dumb waste of time, don't you think?
At the very least this is a 7% cashback.
1% base + 2% drugstores + 4% Paypal at CVS
This is per the Chase FAQ.

It should be 9% when stacked with the 5% top spend category offer.
Drugstores is a top spend category.
1% base + 4% top spend + 4% Paypal at CVS

Reply

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Jackalope
10-28-2021 at 12:41 PM.
10-28-2021 at 12:41 PM.
Will this work? I have a Freedom Flex with with 5% grocery year one bonus active.

Shoprite (Grocery) offers their own giftcards online and Paypal can be used as payment. Assuming grocery is the top spending category, and I buy their giftcards online will the bonus points be:

5% for PayPal
4% for Year I grocery Bonus
4% for Top Spending Category
===================
13% Total

Note that in Chase's FAQ they confirm Q4 Paypal and Q4 Top Category Bonus together and
Q4 Top Category Bonus and Year I grocery together, but not all three.
Reply
Last edited by Jackalope October 28, 2021 at 01:01 PM.
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