Chase Freedom and Flex quarterly bonus categories for 2023

Our specialists reply readers’ bank card questions and write unbiased product opinions (here is how we assess bank cards). In some instances, we obtain a fee from our companions; nonetheless, our opinions are our own. Terms apply to gives listed on this web page.

• The 2023 Q2 Chase Freedom rotating bonus classes are Amazon and Lowe’s.
• You can earn 5% back on the first $1,500 spent in mixed purchases in these classes (then 1%).
• Q2 runs from April 1 to June 30, 2023, and activation is required by June 14 to earn the bonus.
• Read Insider’s information to the very best rewards bank cards.

Chase has released the brand new Q2 2023 rotating quarterly bonus classes on probably the greatest cash-back bank cards, the Chase Freedom Flex℠ . From April 1 to June 30, 2023, you’ll be able to earn 5% money back (5x factors) on as much as $1,500 in mixed purchases (then 1%) at Amazon and Lowe’s while you activate the bonus.

These classes also apply to the Chase Freedom®, which is now not accessible to new candidates. 

We’re targeted right here on the rewards and perks that include every card. These playing cards will not be price it if you happen to’re paying curiosity or late charges. When utilizing a bank card, it is important to pay your steadiness in full every month, make funds on time, and only spend what you’ll be able to afford to pay.

Chase Freedom Q2 2023 classes

Here are the Chase Freedom 5% bonus classes from April 1, 2023, by means of June 30, 2023:

Buy Amazon health and household stuffs on discount through this link

• Amazon.com
• Lowe’s: Both in-store and on-line at Lowes.com

These new classes are particularly straightforward to maximise, since Amazon sells nearly every part. And if you happen to have a spring home-improvement or gardening venture in the works, incomes 5% back at Lowe’s might be very profitable.

Chase Freedom Flex℠ and Chase Freedom® cardholders can activate the Q2 bonus classes by means of their Chase account beginning March 15, 2023, till June 14, 2023.

Once you activate, the bonus will retroactively apply to purchases, as much as spending limits, from the beginning of the present quarter. 

How Chase Freedom quarterly bonus classes work

Each quarter of the year, the Chase Freedom Flex℠ and Chase Freedom® playing cards earn 5% back (or 5x factors) on a unique set of bonus classes. Activation is required, and when you hit the quarterly max of $1,500 spent in the bonus classes, your fee reverts to 1% back.

While these are marketed as cash-back playing cards, if you happen to also have a Chase card that earns transferable Chase Ultimate Rewards® factors, like the Chase Sapphire Preferred® Card, you’ll be able to mix rewards between the 2 playing cards and switch them to Chase’s airline and resort companions. That’s why you’ll be able to consider the Chase Freedom Flex℠ and Chase Freedom® bonus classes as incomes you both 5% back or 5x factors.

You’ll earn 5% back or 5x factors on as much as $1,500 in mixed purchases every quarter, so if you happen to max this out, you will earn $75 back, or 7,500 Chase factors. Each quarter, it’s good to activate the quarterly bonus classes in order to be eligible for money back or bonus Chase Ultimate Rewards® factors. You’ll obtain an email prompting you to activate them by means of your on-line account.

Previous Chase Freedom quarterly bonus classes

For Q1 2023, the Chase Freedom bonus classes are grocery shops, Target, and health membership and health club memberships.

In 2022, these have been the quarterly bonus classes:

• Q1: Grocery shops (excluding Walmart and Target) and eBay
• Q2: Amazon and choose streaming providers
• Q3: Gas stations, rental automotive companies, film theaters, and choose live leisure
• This autumn: Walmart and PayPal

In 2021, the earlier quarterly bonus classes have been as follows:

• Q1: Cable, web, and cellphone providers, wholesale golf equipment, and choose streaming providers
• Q2: Gas stations and residential enchancment shops
• Q3: Grocery shops (excluding Walmart and Target) and choose streaming providers
• This autumn: Walmart and PayPal

And in 2020, the quarterly bonus classes included:

• Q1: Gas stations, web, cable, and cellphone providers, choose streaming providers
• Q2: Grocery shops, health membership and health club memberships, choose streaming providers
• Q3: Amazon and Whole Foods purchases
• This autumn: Walmart and PayPal

Here are the earlier quarterly bonus classes from 2019:

• Q1: Gas stations, tolls, drugstores
• Q2: Grocery shops and residential enchancment shops
• Q3: Select streaming providers and gasoline stations
• This autumn: Department shops, PayPal, and Chase Pay

Chase Freedom Flex card particulars

In addition to incomes 5% back (5x factors) on quarterly bonus classes, the Chase Freedom Flex℠ earns 5% money back on journey bought by means of Chase Ultimate Rewards®, 5% back on Lyft rides by means of March 2025, 3% money back on eating and drugstores, and 1% back on every part else.

It’s a no-annual-fee bank card, nevertheless it does charge international transaction charges, so you will not wish to use it for worldwide purchases.

The Chase Freedom Flex℠ is at present providing $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.  

If you also have the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card, you’ll be able to switch your bonus to journey companions like United Airlines, Hyatt, and Marriott.

Other bank card choices

If you wish to discover different choices before committing to the Chase Freedom Flex℠ , there’s one very related card to take a look at, in addition to different cash-back bank cards with completely different bonus class constructions.

Also with quarterly bonus classes: Discover it Cash Back

This Discover it® Cash Back does not provide the power to transform money back into factors for journey, nevertheless it does provide completely different 5% bonus classes every quarter of the year.

The Discover it® Cash Back earns 5% money back on as much as $1,500 in purchases every quarter while you activate the bonus classes Discover It Cashback rotation, just like the Chase Freedom Flex℠ , so that you max out at $75 back every quarter, or as much as $300 back every year.

The card has no annual charge, and earns 1% back on all different purchases. New cardholders will get all their money back matched on the end of their first year, so if you happen to earned $500 back complete, Discover would match that for a complete of $1,000 back Discover It Cashback rotation. You can learn our Discover it Cash Back card overview for all the main points.

Discover now release its classes before every quarter — for Q2 2023, these classes are eating places and wholesale golf equipment.

Here’s the Discover cash-back calendar.

Earn 5% in your prime eligible month-to-month spending class: Citi Custom Cash Card

The Citi Custom Cash℠ Card makes it straightforward to earn 5% money back (5x Citi ThankYou factors) with out having to keep observe of rotating classes or remembering to activate a bonus. Cardholders earn 5% back on as much as $500 in spending (then 1%) on the eligible class they spend essentially the most in that billing cycle.

Categories that qualify embody:

• Restaurants
• Gas stations
• Grocery shops
• Select journey
• Select transit
• Select streaming providers
• Drugstores
• Home enchancment shops
• Fitness golf equipment
• Live leisure

The Citi Custom Cash℠ Card gives a welcome bonus of Citi Custom Cash℠ Card. If you also have the Citi Premier® Card or Citi Prestige® Card (now not accessible to new candidates), you’ll be able to pool your factors and switch them to Citi’s airline and resort companions, like JetBlue or Singapore Airlines. Find out more in our Citi Custom Cash card overview.

A robust various: Chase Freedom Unlimited

If you do not wish to keep observe of quarterly bonus classes, you could wish to take into account Chase’s different cash-back Freedom card as a substitute.

The no-annual-fee Chase Freedom Unlimited® earns 5% money back on journey bought by means of the Chase portal, 5% back on Lyft rides by means of March 2025, 3% money back on eating and at drugstores, and 1.5% back on every part else with no restrict. If you are a brand new cardholder you’ll be able to at present earn $200 after spending $500 in the first three months from account opening. 

The trick of turning money back into Chase Ultimate Rewards® factors while you have one other eligible Chase card works with the Chase Freedom Unlimited® too, so you could possibly be incomes no less than 1.5x factors on all of your purchases — a really stable return on spending. Here’s our Chase Freedom Unlimited overview to study more.