Revealed: Chase Freedom Flex 5x Points Categories Q3 2021 - One Mile at a Time

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The Chase Freedom Flex^SM 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.

The Chase Freedom Flex 5x points categories for Q3 2021 have just been revealed, and this is also a reminder that today is the last day to register for the Q2 2021 5x points categories. Note that these same bonus categories are also valid for the Chase Freedom Card, which is no longer open to new applicants.

In this post:

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 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

As you can see, registration for this will open tomorrow, and then you can start earning 5x points in these categories starting in a couple of weeks. I think many may find the grocery bonus category to be quite valuable, as that’s something a lot of people spend money on.

Chase Freedom Flex Q2 2021 Bonus Categories

This is a reminder that for the second quarter of 2021, the Freedom Flex Card is offering 5x points on the first $1,500 spent at gas stations and home improvement stores. This is your last chance to register:

• You need to register between March 15 and June 14, 2021
• If you register, you’ll earn 5x points between April 1 and June 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 Q2 2021 Bonus Categories?

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

The gas station category has the following exclusions:

Merchants that do not specialize in selling automotive gasoline are not included in this category; for example, truck stops, boat marinas, oil and propane distributors, and home heating companies.

The home improvement store category has the following exclusions:

Merchants that sell a wide variety of general goods which may include home improvement supplies, for example, warehouse clubs, discount stores, or grocery stores, are not included in this category. Also, merchants that specialize in home furnishings, garden and landscaping supplies are not included.

My Take On Chase Freedom Flex Q2 2021 Bonus Categories

The Chase Freedom Flex bonus categories couldn’t be much less useful to me so far in 2021. The first quarter bonus categories were kind of useless to me, and now the second quarter bonus categories are as well:

• I don’t drive a lot, so the gas-specific bonus category isn’t worth much to me
• I don’t remember the last time I’ve been at a home improvement store

On the plus side, I recognize that there are no other popular cards offering bonus points at home improvement stores, so at least 5x points actually represents a huge incremental return compared to what you’d usually get. Meanwhile earning 5x points temporarily on something like gas or dining may only represent an extra point per dollar compared to other cards out there.

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 in the third 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.

If you haven’t yet registered for the second quarter 2021 bonus categories, this is your last chance to do so. You can then continue to earn 5x points at gas stations and home improvement stores through June 30, 2021.

Starting tomorrow you’ll be able to register for the third quarter 2021 bonus categories, allowing you to earn 5x points at grocery stores and on select streaming services. That should be a useful bonus for many people come July 1.

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

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Revealed: Chase Freedom Flex 5x Points Categories Q3 2021 - One Mile at a Time
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