The Chase Freedom Flex® was my second bank card, and it holds a powerful place in my pockets although I’ve opened a number of extra playing cards since then. The Freedom Flex does a superb job filling gaps in my incomes technique, due to its rotating 5% quarterly classes (on the primary $1,500 in purchases every quarter after activation, then 1%).
I wasn’t in a position to get a lot worth out of final quarter’s rotating classes, so after I noticed what this quarter’s classes can be, I used to be excited. Here is how I plan on maximizing the Freedom Flex’s rotating classes for the ultimate quarter of 2024.
McDonald’s
This class precipitated me to do a double take after I first noticed it. It is a very particular class in comparison with what we usually see on the Freedom Flex. That stated, I am not complaining; whereas I really feel that McDonald’s has declined in high quality over the previous a number of years, I nonetheless discover myself periodically getting meals from there.
That is very true now that I stay inside strolling distance of a McDonald’s. I anticipate heading down there a couple of instances this quarter for a meal. After I do, I will pay with my Freedom Flex.
Even higher, I will get to stack the bonus rewards from this quarter on high of the bonus rewards I already earn on eating with this card — for a complete of seven% again on these purchases.
PayPal
Arguably the most effective rotating class that the Freedom Flex ever affords, PayPal will probably be an enormous class for me this quarter. I pay my electrical and pure gasoline payments via PayPal, so I do know for sure that I will be utilizing this class a minimum of as soon as a month.
Past that, I do most of my purchasing on-line; if PayPal is an possibility after I’m trying out, I will greater than seemingly choose it to earn that bonus 5% again.
I like to recommend utilizing the Freedom Flex through PayPal for smaller purchases. Whereas incomes 5% bonus rewards on a big buy is engaging, you would be higher off placing that spending towards a new welcome bonus.
That is very true contemplating the Freedom Flex’s $1,500 spending cap for the 5% bonus rewards every quarter.
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Pet outlets and veterinary providers
I am the proud proprietor of an incredible canine who will probably be getting loads of items this quarter. Not solely is the vacation season developing, however his “Gotcha Day” is in early November. Since pet shops are one of many Freedom Flex’s fourth-quarter classes, I will be capable to earn a variety of rewards on all of that spending.
I intend to stack this class with a cash-back supply from my Freedom Flex and a Rakuten bonus. I frequently see affords for Chewy from each Chase and Rakuten, so I will get super worth if I can capitalize on these along with this rotating class.
On high of all of that, my canine is due for his annual bodily in December. Provided that this can be a important cost, I am joyful to get 5% again on it (though I doubt my canine shares that enthusiasm for a vet go to).
When you’ve got a pet, I extremely suggest placing as a lot of your pet-related spending as potential in your Freedom Flex via the top of 2024. Test Chase Gives and Rakuten frequently so you do not miss out on much more rewards.
Choose charities
The vacation season all the time places me in a giving temper, so I am happy that I can get bonus rewards on choose charitable donations on my Freedom Flex this quarter.
After all, that is not my primary motivation for donating to a great trigger, however I’ll by no means be sad about receiving further rewards on a purchase order.
My solely gripe with this class is that I want the listing of eligible charities have been longer. I’ve a couple of main charities I wish to donate to that are not included.
That stated, there are some notable charities on the listing, together with the American Purple Cross, Habitat for Humanity, the NAACP Authorized Protection and Instructional Fund, and Feeding America.
I am aiming to donate to a minimum of a type of charities this quarter. Charity donations hardly ever get bonus rewards, so when you have any eligible donations deliberate, make certain to place them in your Freedom Flex.
Backside line
I view this quarter’s rotating classes as a powerful lineup. Even when classes like McDonald’s and pet shops aren’t helpful for you, it is laborious to not discover worth in a minimum of the PayPal class. The Freedom Flex gives improbable alternatives to earn rewards on purchases you might in any other case not have, so I like to recommend including it to your pockets if it is not there already.
It is also an incredible newbie bank card as a result of it has no annual payment and covers a number of different bonus classes along with its rotating choice.
To study extra, take a look at our full assessment of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Associated: Why I received the Chase Freedom Flex
