Chase Freedom Flex Is Not Being Discontinued; Q3 5x Bonus Categories Are Live

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Reports of the Chase Freedom Flex card’s demise are greatly exaggerated.

While many people noticed that the card is no longer available for application on Chase.com, a Chase representative tells me that it is merely temporarily unavailable on Chase.com.

You can also still apply for it via referral link or in branch.

Note that you also can’t product change to Freedom Flex Mastercard during this period, but you can still product change to the classic Freedom Visa card, which also has the 5% categories.

Chase Freedom Flex and Freedom are excellent no annual fee cards thanks to their quarterly 5% categories. While the rewards are marketed as 5% cash back, you’ll actually get 5 Ultimate Rewards points per dollar spent which can be worth much more than 5% cash. All information about the Chase Freedom Flex Card has been collected independently by DansDeals.

If you max out the $1,500 in bonus spending per quarter you will earn at least 30,000 Ultimate Rewards points over the course of a year (7,500 points per quarter at 5 points per dollar spent) per Freedom card.

You can register now for 2025 Q3 spending which is valid 7/1-9/30 at:

• Instacart
• EV Charging
• Gas stations
  • This includes gas and anything sold inside gas stations as well!
• Select Live Entertainment and movie theaters
  • Includes in-person entertainment such as major sporting events, zoos and aquariums, concerts, theatrical productions, museums, tourist attractions and exhibits, amusement parks, circuses, carnivals, bands, and entertainers. Ticket agencies selling on behalf of the entertainment venue are included.

You can track your Freedom bonus spending here.

You can currently earn a $200 signup bonus in the form of 20,000 Ultimate Rewards points for spending $500 on the Freedom Flex Mastercard.  Plus you’ll earn 3 points per dollar on drugstore and dining purchases and 5 points per dollar on all Travel purchased through Chase Travel. 

While Chase Freedom Flex is a great card for the bonus categories, it’s not a great card for everyday spending. However, the Chase Freedom Unlimited® card also has no annual fee and earns 1.5 points per dollar everywhere, though it doesn’t have rotating 5x categories. Read more about the Freedom Unlimited card here.

The no annual fee business version of Freedom Unlimited is the Ink Business Unlimited® Credit Card, which offers $750 in the form of 75,000 points for spending $6,000 in 3 months. Read more about the Ink Unlimited card here.

Freedom, Freedom Unlimited, and Ink Unlimited alone can’t transfer points into much more lucrative airline or hotel miles, but if you or your spouse has an Ink Business Preferred® Credit Card, Chase Sapphire Reserve®, Chase Sapphire Reserve for Business℠, or Chase Sapphire Preferred® Card, then you can transfer points from Freedom to one of those cards and from there to your favorite travel currency.  The Freedom, Freedom Unlimited, or Ink Unlimited card can also keep your points alive for free if you do close one of those premium cards.

The value of the points will be based on where you use them, but if you use those points for a trip worth where they are worth 2 cents each then you’ll have effectively earned 10% back on those “5 point categories.” The sky is the limit of the value of airline miles as they aren’t tied to the cost of a ticket. That’s good for people in the know and bad for those who are not. 1 mile can be worth 0.25 cents or it can be worth 25 cents, it all just depends on how you use them!

Where will you make your Q3 purchases?