The Chase Freedom Flex® was my second bank card, and it holds a robust place in my pockets regardless that I’ve opened a number of extra playing cards since then. The Freedom Flex does a wonderful job filling gaps in my incomes technique, because of 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 once I noticed what this quarter’s classes could 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 brought about me to do a double take once 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 reside inside strolling distance of a McDonald’s. I anticipate heading down there a couple of occasions this quarter for a meal. Once I do, I am going to pay with my Freedom Flex.
Even higher, I am going to get to stack the bonus rewards from this quarter on prime 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 gives, PayPal shall be an enormous class for me this quarter. I pay my electrical and pure gasoline payments by means of 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 buying on-line; if PayPal is an choice once I’m trying out, I am going to greater than probably 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 attractive, 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 companies
I am the proud proprietor of an awesome canine who shall be getting loads of items this quarter. Not solely is the vacation season arising, however his “Gotcha Day” is in early November. Since pet shops are one of many Freedom Flex’s fourth-quarter classes, I am going to be capable to earn a whole lot 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 gives for Chewy from each Chase and Rakuten, so I am going to get large worth if I can capitalize on these along with this rotating class.
On prime of all of that, my canine is due for his annual bodily in December. Provided that it is a vital cost, I am glad to get 5% again on it (though I doubt my canine shares that enthusiasm for a vet go to).
You probably have a pet, I extremely suggest placing as a lot of your pet-related spending as potential in your Freedom Flex by means of the top of 2024. Test Chase Presents and Rakuten frequently so you do not miss out on much more rewards.
Choose charities
The vacation season at all times 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.
In fact, that is not my essential motivation for donating to a very good trigger, however I’ll by no means be sad about receiving additional 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 Academic Fund, and Feeding America.
I am aiming to donate to a minimum of a kind of charities this quarter. Charity donations not often get bonus rewards, so if in case you have any eligible donations deliberate, make sure that to place them in your Freedom Flex.
Backside line
I view this quarter’s rotating classes as a robust lineup. Even when classes like McDonald’s and pet shops aren’t helpful for you, it is arduous to not discover worth in a minimum of the PayPal class. The Freedom Flex gives incredible alternatives to earn rewards on purchases chances are you’ll 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 awesome newbie bank card as a result of it has no annual price and covers a number of different bonus classes along with its rotating choice.
To be taught extra, take a look at our full evaluation of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Associated: Why I acquired the Chase Freedom Flex
