Chase Freedom / Freedom Flex Bonus Categories Revealed (Q4 2020)

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The Chase Freedom Card is undeniably one of the most lucrative, no annual fee credit cards on the market as it offers 5x points in rotating quarterly categories, for up to $1,500 of spending per quarter. Most people use the card as a cash back card, meaning the 5x points really translates into 5% cash back in these categories.

However, the cool part about this is card is that if you own the Chase Sapphire Preferred, Chase Sapphire Reserve, or the Ink Business Preferred, you can easily transfer your points from the Chase Freedom Card to Ultimate Rewards points and redeem the points on airlines or at hotels. In other words, 5% cash back = 5 points (more on this below).


Recently, Chase announced they will be discontinuing the Freedom Card and introducing a new card called the Freedom Flex which is a better version of the old Freedom Card.


Today, Chase reveled the new bonus categories for the Freedom Flex (old Freedom Card) for the fourth quarter 2020. The card will offer 5x points on the first $1,500 spent at Walmart and PayPal between 1 October and 31 December 2020.

Fourth quarter 2020 registration will open on Tuesday 15 September 2020 (tomorrow), and will be valid for purchases between 1 October and 31 December 2020. Once registration opens, simply go to the registration page, enter your last name, last four digits on your card, zip code, and you’ll be registered.

How To Make Chase Freedom Points More Valuable

Let’s talk about making Chase Freedom point more valuable. The Chase Freedom is a cash back card so each point can be redeemed for one cent.

However, if you have this card and use it in conjunction with one of the cards that accrues Ultimate Rewards points (the 3 credit cards listed below), you can convert Chase Freedom points into Ultimate Rewards points by transferring these points.

In other words, 5% cash back converts into 5x Ultimate Rewards points per dollar with one of the above cards and it can used for airline and hotel redemptions which is what I do with these points.


It’s worth noting that not only will the Freedom Flex be offering 5% cash back in rotating quarterly bonus categories (up to $1,500/quarter), it will also offer:

  • 5% on travel purchased through Chase Ultimate Rewards
  • 3% cash back on drugstores
  • 3% cash back on dining, takeout, and delivery services
  • 1% cash back on everything else

Additionally, it will not not be a Visa card (similar to other Chase cards) but will instead be a Mastercard, which means the card will offer Mastercard World Elite benefits including:  

  • Cell phone insurance 
  • Lyft – Take 5 rides in a month and get a $10 Lyft credit once per month.
  • Boxed – Earn 5% Cash Rewards on Boxed orders for use on future purchases.
  • ShopRunner – Receive 2-day shipping (and free return shipping) at over a hundred online retailers, including Saks Fifth Avenue, Brooks Brothers, Kate Spade, Adorama, 1-800-Flowers and more.


This card is hard to beat and offers several avenues to rack up valuable Ultimate Rewards points without an annual fee.

I trust many people will find value in the bonus categories for this upcoming quarter. If you completely max out the bonus category ($1500), you’ll receive 7500 points. For a no annual fee card, that’s hard to beat!

Again, registration should open tomorrow however, you won’t start earning 5x points until 1 October 2020.

Do you have the Chase Freedom card? Generally, do you max out the bonus category/categories?

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