How to Maximize Chase Freedom 5% Bonus Categories For Q3 (July - September) 2021


Marriott Hotels & Resorts
Plus 1 Free Night Every Year
Earn 150,000 Bonus Hilton Points
You receive Hilton Diamond Status, Resort Credit, Airline Credit & 1 Free Weekend Night Every Year!
Land Alaska Airlines bonus of your summer dreams!
Score up to 60% bonus miles.
World of Hyatt Credit Card
Apply by September 30, 2021 to earn 60,000 Bonus Hyatt Points & Double Elite Night Credits.
Chase Sapphire Preferred 100,000 Bonus Points!
This is the best offer on this credit card!
Amex Platinum Card 125,000 Bonus Points & Up to $919 in New Benefits Value!
The card that gives you $179 CLEAR membership credit!
Amex EveryDay Preferred Card 30,000 Membership Rewards Points
Click on the Learn More button below using Incognito mode to see the offer!
Save up to 25% on a Marriott Resort Vacation
Select resorts in US, Canada, Caribbean & LATAM!

How to Maximize Chase Freedom 5% Bonus Categories For Q3 (July - September) 2021

  • Chase's 5% Q4  bonus categories have been revealed. You'll be able to register between September 15 and December 14, 2021. 
    • Walmart
    • Purchases made using PayPal
  • 5% Q3 is available now for activation (see link below). The category will be Grocery Stores (excluding Walmart and Target) and Select Streaming Services from July 1 - September 30, 2021.

The Chase Freedom Flex Credit Card and the old discontinued Chase Freedom Credit Card offer a 5% bonus of up to $1,500 in combined purchase in bonus categories each quarter. If you can max out this offer, you will be earning a total of 7,500 Chase Ultimate Rewards (UR) points. I value Chase points at 1.6 cents per point when combining with Chase's flexible points earning credit card, so 7,500 points are worth about $120. If you simply just want simple cash back, 7,500 Chase points are equivalent to $75. 

How to Maximize Chase Freedom 5% Bonus Categories
Table of Contents  [show/hide]

    Can You Have Two Freedom Cards and Earn 5% Bonus Twice Per Quarter?

    Chase bank does not allow you to have two Freedom Flex credit cards at once. However, if you have the old Chase Freedom (not available for new applicants) and Chase Freedom Flex Credit Card, you can have both cards at once and earn 5% in bonus categories on each credit card. This will increase the maximum amount that you can earn by 5% to a total of $3,000 per quarter ($1,500 max per card). You must activate the 5% bonus offer on both credit cards below. 

    Chase Freedom 5% Q4 2021 Bonus Categories & Activation Link

    • Valid from October 1 - December 31, 2021
    • 5% Bonus Categories for this quarter are:
      • Walmart
      • Purchases made using PayPal
    • Must activate the offer by December 14, 2021, to earn the 5% bonus
    • Direct Link to Activate (Available on September 15, 2021)

    Chase Freedom 5% Q3 2021 Bonus Categories & Activation Link

    • Valid from July 1 - September 30, 2021
    • 5% Bonus Categories for this quarter are:
      • Grocery Stores (excluding Target & Walmart)
      • Select Streaming Services
    • Must activate the offer by September 14, 2021, to earn the 5% bonus
    • Direct Link to Activate

    How to Activate Chase Freedom 5% on Chase Mobile App

    • Launch Chase mobile app and log into your account. 
    • Tap on an eligible Chase Freedom credit card. 
    • Scroll down until you see the 5% cashback section. 
    • Tap on the See details & activate
    • Simply tap on Activate button to activate the 5% bonus category and you're done!

    How to Maximize Chase Freedom 5% Bonus Categories For Q3 2021

    It is recommended that you try to do organic spend as much as you can. You have 3 months to take advantage of this 5% bonus categories offer so there’s no need to rush things. 

    Grocery Stores

    • This covers several grocery stores including supermarkets that offer full-service grocery items such as Albertsons, Kroger/Fred Meyer, Meijer, Safeway, Trader Joe's, and Whole Foods Market. See a list of example grocery stores here
    • Grocery stores do sell various types of gift cards too. 
    • Larger stores such as Target and Walmart, discount stores, warehouse clubs such as Costco, drugstores such as Walgreens are not included in this category. 
    • Delivery service merchants are also not included in this category unless the merchant has set up such purchases to be classified in the grocery store category. 
    • There's also a current sign-up promotion for Chase Freedom Flex Credit Card that offers a sign-up bonus of $200 or 20,000 Chase UR points plus 5% back at grocery stores. Stack this offer with the current quarter's 5% bonus at grocery stores to earn a 10% back!
      • When it comes to applying for this credit card, please note that the product is not available to either current cardmembers of this credit card, or previous cardmembers of this credit card who received a new Cardmember bonus within the last 24 months. 24-month starts from when you last received the sign-up bonus, not the time you open the card or close the card.
      • Direct Link to the Offer

    Select Streaming Services

    • Only subscription services paid for with the following select merchants will qualify for this offer: 
      • Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify, and YouTube TV.
    • If there’s a streaming service that you have been wanting to get to watch your favorite TV shows, sports, or movies, you should consider using your Chase Freedom to pay for the subscription plan and earn a 5% cashback bonus. Plus, you can also signup for one of those selected streaming services through a cashback portal such as Rakuten and earn more cashback in addition to Chase 5%. Here are Ebates/Rakuten cashback samples for selected streaming services:
      • Disney+ annual subscription - $12.50 cash back
      • Disney+, Hulu and ESPN+ Bundle - $8 cash back
      • Hulu - $1 cash back
      • ESPN+ - Up to $10 cash back
      • Sling - Up to $15 cash back 
      • Apple Music - $4 cash back 
      • SiriusXM - Up to $5 cash back
      • Pandora - $7.50 cash back
    • For example, you want to signup for the Disney+ streaming service. If you do not have Ebates/Rakuten account, you can join for free. If you join and spend $, you will receive an additional $ bonus. So if you spend $69.99 per year on a Disney+ subscription plan, you will receive $ bonus + $12.50 cashback from Rakuten + $3.50 back from Chase 5% for a total of $38 extra cashback. Here's how you would do it:
      • Activate your Chase Freedom 5% bonus categories first. Click here to activate
      • Go to the Rakuten portal site. 
      • Sign in with your account. If you do not have an account, you can join for free. Plus after you join and spend $, you will get an additional $ bonus from Rakuten. 
      • Search for the Streaming Service that you want to signup for. **Do not go to the streaming service website directly if you want cashback from Rakuten. 
      • Click Shop Now. 

    How to Track Your Chase Freedom 5% Bonus Spending 

    • Sign in to your Chase account online
    • Click on your Chase Freedom or Chase Freedom Flex credit card.
    • You should now see 5% cashback towards the top. Click on Details.
    • You will see your spending progress bar there. 
    How to Track Your Chase Freedom 5% Bonus Spending

    How to Verify If A Purchase Qualifies For Chase Freedom 5% Bonus Category

    I applaud Chase technology for this. Chase makes it really simple to find out how many reward points you earn from a purchase once the transaction is posted without having to wait until your credit card's statement is closed, to do that:
    • Via Chase online or Chase app, log in and click on your Chase Freedom or Chase Freedom Flex credit card. 
    • Click on the purchase or transaction in question. 
    • Scroll down until you see Total points under Rewards earned with this transaction

    If you like this post, please share it!


    Posted by: PL

    Hello there! People call me PL and I am a points blogger. Obsessed with using points and miles to elevate travel experiences to explore the world. Enjoy finer things in life and good food. I have a day job, this points blog is mainly my hobby and my contribution back to the points community. If you enjoy reading this post, please help me share it! If you enjoy what you read here, please make sure you subscribe or follow this blog on social media so that you will be notified when there's a new blog's post. I thank you for reading this blog. Your support means a lot to me and it is what makes this blog's work worthwhile. If I can be of any help, you can contact me: thepointslife at gmail dot com

    If you appreicate my contents, you can also buy me a beer through the secured PayPal button below :-)

    Connect: Facebook | Twitter | Instagram


    Would you like to pay for travel with points instead of cash?

    Get our best travel tips and tricks on points travel - Free!

    Sign up for our newsletter below.

    * indicates required

    Post a Comment