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How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Chase Freedom 5% Bonus Category Calendar 2024

Updated on:
Content was accurate at the time of publication.
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Chase announced its bonus 5% cash back categories for the first quarter of 2024 — grocery stores, fitness club and gym memberships and self-care and spa services.

We’ll review the bonus cash back categories for the Chase Freedom Flex℠ and the Chase Freedom®, what you need to know to earn 5% cash back and how the Chase 5% cash back calendar compares to Discover’s 5% cash back calendar.

Note, the Chase Freedom® card is no longer open to new applicants as of Sept. 14, 2020.

| Disclosures
Chase Freedom Flex℠*
Chase Freedom Flex℠
Learn More
on Chase's secure site
0% Intro APR on Purchases for 15 months
20.49% - 29.24% Variable
$0
5% cash back on up to $1,500 in combined purchases in bonus
  • Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
660 720 850
Good/Excellent
*The information related to the Chase Freedom Flex℠ has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

 

 

  • You’ll need to activate the bonus categories to earn 5% cash back. Chase allows you to add reminders to your calendar. Easily activate via ultimaterewards.com or chase.com/freedom, or by calling the number on the back of your card.
  • To take advantage of the Q1 bonus categories, you must activate the categories by March 14, 2024.
  • The Q1 2024 categories are active from Jan. 1 through March 31, 2024.
  • You can earn the 5% cash back rate on the first $1,500 in combined purchases in the bonus categories each quarter (upon activation), then 1% cash back in those categories.

See how Chase’s 2023 cash back calendar compares to the upcoming 2024 calendar:

Chase 5% cash back calendar 2024
Jan – March April – June July – Sept Oct – Dec
Grocery stores, fitness club and gym memberships and self-care and spa services TBA TBA TBA
Chase 5% cash back calendar 2023
Jan – March April – June July – Sept Oct – Dec
Grocery stores (excluding Walmart), Target, fitness clubs and gym memberships Lowe’s and Amazon.com Gas stations, EV charging and select live entertainment PayPal, wholesale clubs and select charities

Unfortunately, Chase has not featured restaurants as a bonus category since 2017. Given that the Chase Freedom Flex℠ already offers a substantial bonus on restaurant purchases, it seems unlikely to reoccur as a category.

Want to see more Chase Freedom Flex℠ features?

 

The Discover it® Cash Back is another cash back card that allows you to earn bonus cash back on rotating categories. As you can see from the chart below, these cards tend to offer similar categories at similar times of the year. One major difference, however, is that only the Discover it® Cash Back featured restaurants as a quarterly category in 2023 (but the Chase Freedom Flex℠ offers a bonus on dining purchases year-round).

Aside from that, there are some small differences in the cards’ categories — for example, Chase had wholesale clubs as a category in December 2023, while Discover offered a bonus at Amazon and Target. This might make one card a better choice for some users than others. However, these smaller categories vary a lot from year to year, making it hard to predict which card will be a better fit for the upcoming year.

Read our Discover it® Cash Back card review.

Here’s how they compare for 2024:

Chase vs. Discover 2024 cash back calendar
Chase Discover
Jan – March Grocery stores, fitness club and gym memberships and self-care and spa services Restaurants and drugstores
April – June TBA TBA
July – Sept TBA TBA
Oct – Dec TBA TBA

| Disclosures
Discover it® Cash Back
Discover it® Cash Back
apply-now-icon Apply Now
on Discover's secure site
Rates & Fees
0% Intro APR for 15 months
17.24% - 28.24% Variable APR
$0
Earn 5% cash back on everyday purchases at different places you shop
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Terms and conditions apply.
660 720 850
Good/Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

| Disclosures
Bank of America® Customized Cash Rewards credit card
Bank of America® Customized Cash Rewards credit card
apply-now-icon Apply Now
on Bank Of America's secure site
0% Intro APR for 15 billing cycles for purchases
18.24% - 28.24% Variable APR
$0
3% cash back in the category of your choice. 2% cash back
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
660 720 850
Good/Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

An alternative to Discover and Chase quarterly is the Bank of America® Customized Cash Rewards credit card, which provides cardholders a more flexible rewards program.

You’ll earn 3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases.

Rather than being stuck with a preselected category each quarter, you can choose a category that works best for you. If you don’t pick a category, you earn 3% cash back on gas purchases as a default option, so you don’t have to worry about enrolling at all.

The 3% cash back categories include:

  • Gas and EV charging
  • Online shopping, including cable, internet, phone plans and streaming
  • Dining
  • Travel
  • Drug stores and pharmacies
  • Home improvement and furnishings

 

The information related to the Chase Freedom® has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.
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