topic Re: Chase Freedom Flex top spend category in Credit Cards

Chase Freedom Flex top spend category

BRIVERS73 — Tue, 19 Oct 2021 00:16:34 GMT

Chase is now giving 5% cash back to a top spend category for this quarter in addition to the rotating categories

https://www.businessinsider.com/personal-finance/chase-freedom-flex-top-spending-category-bonus-earn-5-cash-back-2021-10

https://www.doctorofcredit.com/chase-freedom-earn-5-on-your-top-category-or-9-on-paypal-up-to-1500-in-spend/#comments

Re: Chase Freedom Flex top spend category

JNA1 — Tue, 19 Oct 2021 00:32:32 GMT

That's a nice bonus!

Re: Chase Freedom Flex top spend categor

BRIVERS73 — Tue, 19 Oct 2021 00:36:31 GMT

Yes it is. Maybe they're trying to compete with the Custom Cash card in this quarter

Re: Chase Freedom Flex top spend category

kilroy8 — Tue, 19 Oct 2021 00:36:53 GMT

This is all kinds of awesome!

Thanks for the info.

Re: Chase Freedom Flex top spend categor

Anonymalous — Tue, 19 Oct 2021 00:40:00 GMT

@BRIVERS73 wrote:
Yes it is. Maybe they're trying to compete with the Custom Cash card in this quarter

Definitely sounds like it. Competition is heating up!

Re: Chase Freedom Flex top spend categor

Yankee2 — Tue, 19 Oct 2021 00:44:51 GMT

@BRIVERS73 wrote:
Yes it is. Maybe they're trying to compete with the Custom Cash card in this quarter

I would say so.. Chase's categories are EXACTLY the same as the Custom Cash....

Re: Chase Freedom Flex top spend category

simplynoir — Tue, 19 Oct 2021 00:50:43 GMT

Okies, Chase, have more of my monies if you want

Re: Chase Freedom Flex top spend category

Yankee2 — Tue, 19 Oct 2021 00:56:23 GMT

The Custom Cash rollout must have been a pretty good one for Chase to do this.

I'm hoping they dump the rotating categories and make the Flex just like the Custom Cash.

Re: Chase Freedom Flex top spend category

NRB525 — Tue, 19 Oct 2021 04:05:35 GMT

Well, it will make it easier to round out the $1,500 spend.

Right now I would get gas at 9%, as I doubt any other category would fit as PayPal also.

This does need to be weighed vs Custom Cash, as yes, the categories compete.

An interesting problem to sort out

Re: Chase Freedom Flex top spend category

Taurus22 — Tue, 19 Oct 2021 06:25:19 GMT

If anyone had a sizeable home improvement project they could order material/appliances online, PayPal would stack.

Any Travel reservations online would stack.

And anyone who regularly orders food online, this would also stack.

FFlex is already on my TO-DO list, but this certainly strengthens its weight....I hope Chase continues with these kind of promos...

And @JNA1 ........stop it. I know what's going on in that head right now.

Re: Chase Freedom Flex top spend category

jcooks — Tue, 19 Oct 2021 13:39:09 GMT

Does anyone see it in their account? Not sure if it's for everyone or it's targetted. I know the article says you just need to activate q4, but I see no signs of the 5% bonus on top spend category

Re: Chase Freedom Flex top spend category

xenon3030 — Tue, 19 Oct 2021 15:43:36 GMT

It is on the Chase website, but not in the individual account.

Not sure whether it counts Amazon as a top purchase.

Also, Paypal Key still gives comming soon and not available messages. I tried every possible way but no luck to get a PPK

Re: Chase Freedom Flex top spend category

MrDisco99 — Tue, 19 Oct 2021 15:55:03 GMT

Kinda funny how obvious this is a reaction to the Citi Custom Cash.

Does this stack on top of the +2% on dining or drugstores?

If so I'll be making a lot more trips to CVS for 11% back.

Re: Chase Freedom Flex top spend category

MrDisco99 — Tue, 19 Oct 2021 15:53:53 GMT

@xenon3030 wrote:
It is on the Chase website, but not in the individual account.

Not sure whether it counts Amazon as a top purchase.

Also, Paypal Key still gives comming soon and not available messages. I tried every possible way but no luck to get a PPK

Amazon doesn't fall into any of those categories.

Re: Chase Freedom Flex top spend category

xenon3030 — Tue, 19 Oct 2021 15:58:58 GMT

I was guessing also, due to the rumors on the upcoming divorce...

Re: Chase Freedom Flex top spend category

PullingMeSoftly — Tue, 19 Oct 2021 16:23:29 GMT

A bit disappointed that this offer isn't extended to the Visa. If this Citi model works out for Chase and we see this happen again, I think the case is stronger for remaining Visa to Flex PC's. (I'm still hanging on to mine for Costco use, but Affinity and Safe CU are steadily making that an unnecessary concern)

Additional thought: Would be interesting to see in the future if the highest spend category model becomes adopted on the Flex, with the Visa retaining the original assigned categories, similar to the Dividend vs Custom Cash. The Visa already being unavailable for new applications, hmmm.

Re: Chase Freedom Flex top spend category

quikj9 — Tue, 19 Oct 2021 20:52:01 GMT

I'll always take addtional rewards for spend I'm already making otherwise! I just wish Chase had told us about this sooner, so I could have optimized my spend a bit better. Looks like I'll be getting 7X on Dining and 5X on Paypal this quarter. As I'm typing this out, I'm realizing what a first world problem this is.

Re: Chase Freedom Flex top spend category

MrDisco99 — Tue, 19 Oct 2021 21:55:49 GMT

@xenon3030 wrote:
It is on the Chase website, but not in the individual account.

Where?

I'm seeing talk about this everywhere except for the Chase website.

Re: Chase Freedom Flex top spend category

Anonymous — Tue, 19 Oct 2021 21:57:17 GMT

@MrDisco99 wrote:
Kinda funny how obvious this is a reaction to the Citi Custom Cash.

Does this stack on top of the +2% on dining or drugstores?

If so I'll be making a lot more trips to CVS for 11% back.

How? I would think it was 3% for drug store + 5% for most common category, making 8%

Re: Chase Freedom Flex top spend category

MrDisco99 — Tue, 19 Oct 2021 22:11:47 GMT

@Anonymous wrote:
@MrDisco99 wrote:
Kinda funny how obvious this is a reaction to the Citi Custom Cash.

Does this stack on top of the +2% on dining or drugstores?

If so I'll be making a lot more trips to CVS for 11% back.
How? I would think it was 3% for drug store + 5% for most common category, making 8%

1% base

2% drugstore category bonus

4% Q4 top category bonus

4% Q4 PayPal bonus (I pay with the app at checkout)

11% total