Earn 5% cash back in rotating categories throughout 2025 with the Chase Freedom credit card.

Chase Freedom Flex Review: A Cash-Back Card with Rotating Categories

The Chase Freedom Flex is an excellent cash-back credit card that offers a 0% intro APR for 15 months on purchases and balance transfers, making it a great option for those looking to earn rewards and pay off debt. The card also offers a rotating 5% cash-back feature, which allows cardholders to earn 5% cash back on specific categories, such as travel, drugstores, and dining.

Key Features:

• 0% intro APR for 15 months on purchases and balance transfers
• 5% cash back on specific categories, up to $1,500 in combined spending per quarter
• 3% cash back on drugstore purchases and dining
• 1% cash back on all other purchases

Rotating 5% Cash-Back Categories:

• January to March: Grocery stores, fitness clubs, and gym memberships, and hair, nails, and spa services
• April to June: Announcing in March 15
• July to September: Announcing in June 15
• October to December: Announcing in September 15

Using the Cash-Back Card:

• Activate bonus categories each quarter to earn 5% cash back
• Use the card to earn rewards on specific categories
• Redeem rewards for cash or travel

Other Options:

• Discover it Cash Back: A cash-back card that offers 5% cash back on categories like gas stations, restaurants, and more
• Citi Custom Cash Credit Card: A cash-back card that offers 5% cash back on purchases in the cardholder’s top eligible spend category each billing cycle

Frequently Asked Questions:

• When does Chase announce the Freedom bonus categories? Chase announces its rotating 5% bonus categories one at a time, shortly before the new quarter begins.
• How much can I earn with the Freedom bonus categories? The Chase Freedom 5% cash-back bonus is limited to $1,500 in combined spending per quarter, meaning you can earn up to $75 in cash back quarterly — and up to $300 annually.
• Does the Chase Freedom Unlimited have a 5% cash-back category? No, the Chase Freedom Unlimited does not offer rotating 5% cash-back categories, but it does earn unlimited 5% cash back on travel booked through Chase Travel℠.