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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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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 2023

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Chase announced its bonus 5% cashback categories for the fourth quarter of 2023 — Purchases made with PayPal, Wholesale Clubs and Select Charities.

We’ll review the bonus cashback 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% cashback calendar compares to Discover’s 5% cashback calendar.

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

Chase 5% cashback 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

| Disclosures
Chase Freedom Flex℠
Chase Freedom Flex℠
Learn More
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 your first 3 months from account opening.
  • 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 20.24% - 28.99%.
  • 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.
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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.

Read our Chase Freedom Flex℠ card review

 

Here’s what you need to know:

  • You 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 Q4 bonus categories, you must activate the categories by December 14, 2023.
  • The Q3 2023 categories are active from July 1 through September 30, 2023.
  • You can earn the 5% cashback rate on the first $1,500 in combined purchases purchases in the bonus categories each quarter (upon activation), then 1% cash back in those categories.

How the 2022 calendar compares to 2023

See how Chase’s 2022 cashback calendar compares to the upcoming 2023 calendar:

Chase 5% cashback calendar 2022
Jan – March April – June July – Sept Oct – Dec
Grocery stores (excludes Target and Walmart) Amazon.com and select streaming services Gas stations, car rental agencies, movie theaters and on select live entertainment Purchases made through PayPal and at Walmart
Chase 5% cashback 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 yet brought back restaurants as a bonus category, which hasn’t appeared since 2017.

Want to see more Chase Freedom Flex℠ features?
Read our card review

 

Chase cashback calendar vs. Discover cashback calendar

While Chase reveals its bonus categories quarterly, Discover releases its full cashback calendar for the year. The ability to see all of the bonus categories gives Discover a leg up on Chase, since cardholders are able to plan spending months in advance. With the Discover it® Cash Back, you earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate.

Here’s how they compare for 2023 so far:

Chase vs. Discover 2023 cashback calendar
Chase Discover
Jan – March Grocery Stores (excluding Walmart®), Target, Fitness Clubs and Gym Memberships Grocery Stores, Drug Stores and Select Streaming Services
April – June Lowe’s and Amazon.com Restaurants and Wholesale Clubs
July – Sept Gas Stations, EV Charging and Select Live Entertainment Gas Stations and Digital Wallets
Oct – Dec PayPal, Wholesale Clubs and Select Charities Amazon.com and Target

| 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
5% cash back on everyday purchases at different places each quarter like
  • INTRO OFFER: Unlimited Cashback Match – 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 each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • 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.
  • Every $1 you earn in cash back is $1 you can redeem.
  • 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.
  • Click through to Discover’s website to see terms and conditions.
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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 appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Alternative to quarterly bonus category cards

| 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
Earn 3% cash back in the category of your choice - now
  • $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 - now with expanded categories, 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.
  • Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services).
  • If you're a 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 no expiration on rewards.
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
  • 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
Excellent/Good
Get my free score

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’s quarterly rotating bonus categories is the Bank of America® Customized Cash Rewards credit card, which provides cardholders a flexible rewards program.

If you’re an existing or new Bank of America® Customized Cash Rewards credit card holder, you’ll be able to earn Earn 3% cash back in the category of your choice - now with expanded categories, 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.

The 3% cash back categories are gas, EV charging, cable, streaming, internet, phone services online shopping, dining, travel, drug stores, or home improvement and furnishings. Unlike other rotating bonus category cards that preselect bonus categories every quarter, cardholders can choose which one of the six categories they want to earn 3% cash back in every month.

In addition to a cashback program, the Bank of America® Customized Cash Rewards credit card offers a 0% Intro APR for 15 billing cycles for purchases (after that, a 18.24% - 28.24% Variable APR applies). This allows you to finance new purchases over a year without incurring interest charges.

Just know that the Chase Freedom Flex℠ also offers a 0% Intro APR on Purchases for 15 months (after that, a 20.49% - 29.24% variable APR applies).

There is also a 0% Intro APR on Balance Transfers for 15 months. After, the regular APR will be 20.49% - 29.24% variable. The balance transfer fee is either $5 or 5% of the amount of each transfer, whichever is greater.

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.

Interested in other 0% APR card options?
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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 appears 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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