Chase Freedom Flex Q4 2026 Bonus Categories

Chase has announced the new Q4 2026 bonus categories the Chase Freedom Flex where you can earn 5x points on select categories. If you haven’t picked it up yet, it is one of the best no annual fee cards out there. It is also time to activate the offer now so you can hit the ground running on October 1st. If you have the Chase Sapphire Preferred or Reserve, there is no reason not to have this card.

Why This is Such a Great Card

The Chase Freedom Flex is an incredible no annual fee card which offers 5% cash back on rotating categories each quarter. Now, if you have a Chase Sapphire Preferred, the Sapphire Reserve, or the Ink Business Preferred, you can earn 5x Ultimate Rewards points instead of cash back. I value Ultimate Rewards points at 1.7 cents per point which increases your return from 5% to 8.5%.

You can earn 5 points per dollar on the first $1,500 spent across all categories each quarter for a total of 7,500 points. Maximizing each quarterly bonus means you can earn up to 30,000 points each year. That’s a crazy good deal especially considering this card has no annual fee.

Registration is open and the bonus goes into effect on October 1st. If for whatever reason you forget, you have until December 14th to activate this. All you have to do is go to https://www.chasebonus.com/ enter in your last name, ZIP code, and the last 4 digits of your card. Its as simple as that.

What’s in Store for Q4 2026

This quarter should be pretty easy to maximize with dining and grocery Stores on the list and it will be replacing my American Express Gold card for this quarter which normally is my go to for dining and grocery store spend where I can earn 4x on both.

• Dining

• Grocery Stores

• American Red Cross

Wrapping Up

The Chase Freedom Flex is one of the best no annual fee cards out there. Earning 5x points on the first $1,500 spent on dining, grocery stores, and American Red Cross donations from October 1st through December 31st, 2026. This is another great card to keep in your wallet to always earn more than 1 point per dollar on all purchases.

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