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How Does LendingTree Get Paid?

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Chase Freedom 5% Bonus Category Calendar 2021

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Bank of America® Customized Cash Rewards credit card details updated Sept. 9, 2021

Chase launched its bonus 5% cashback categories for the fourth quarter of 2021 — Walmart and purchases made with PayPal.

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 2021
Jan – March April – June July – Sept Oct – Dec
Wholesale clubs, select streaming services*, internet, cable and phone services Gas stations and home improvement stores Grocery stores (excluding Target and Walmart) and select streaming services* Walmart and purchases made with PayPal

* Eligible streaming services are Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify, and YouTube TV.

Disclosures |
Chase Freedom Flex℠
Chase Freedom Flex℠
on Chase's secure site
0% Intro APR on Purchases for 15 months
14.99% - 23.74% Variable
$0
Earn 5% cash back on eligible purchases in rotating categories, 5% on
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
680 850

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.

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 Dec. 14, 2021.
  • The Q4 bonus categories are active from Oct. 1 through Dec. 31, 2021.
  • 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 2021 calendar compares to 2020

See how Chase’s 2020 cashback calendar compares to the previous year:

Chase 5% cashback calendar 2020
Jan – March April – June July – Sept Oct – Dec
Gas stations, select streaming services, internet, cable and phone services Gym memberships and fitness clubs, grocery stores**, select streaming services Amazon.com and Whole Foods Market Walmart and PayPal

* *Not including Target and Walmart

New additions for 2020 included gym memberships and fitness clubs, as well as Amazon.com, Whole Foods and Walmart. Unfortunately, Chase has not yet brought back restaurants as a bonus category, which hasn’t appeared since 2017.

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 2021:

Chase vs. Discover 2021 cashback calendar
Chase Discover
Jan – March Wholesale clubs, cable, internet and phone services, and select streaming services Grocery stores, Walgreens and CVS
April – June Gas stations and home improvement stores Gas stations, wholesale clubs and select streaming services
July – Sept Grocery stores (excluding Target and Walmart) and select streaming services Restaurants and PayPal
Oct – Dec Walmart and purchases made with PayPal Amazon.com, Target.com, and Walmart.com

Disclosures |
Discover it® Cash Back
Discover it® Cash Back
on Discover's secure site
0% for 14 months
11.99% - 22.99% 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, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
680 850

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.

Alternative to quarterly bonus category cards

Disclosures |
Bank of America® Customized Cash Rewards credit card
Bank of America® Customized Cash Rewards credit card
on Bank of America's secure site
0% Intro APR for 15 billing cycles for purchases
13.99% - 23.99% 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 
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 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, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) 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.
680 850

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.

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 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.

The 3% cash back categories are gas, 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 13.99% - 23.99% 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 14.99% - 23.74% variable APR applies).

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.