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If you have the Chase Freedom Flex℠ or the Chase Freedom®, listen up. Chase's 5% bonus categories for Q3 2026 and are open for activation and you can now spend within them.
Cardholders can earn a total of $75 cash back — or 7,500 Ultimate Rewards points — by maxing out spending each quarter. However, you'll need to activate the offer each quarter before you can start earning 5% cash back.
Here's everything you need to know about the Chase Freedom 5% rotating bonus categories.
Chase Freedom 5% Cash Back Overview
Each quarter, Chase introduces new rotating cash back categories on the Chase Freedom Flex℠ and Chase Freedom®.
After you activate for the quarter, you’ll earn a total of 5% cash back on the first $1,500 in combined purchases in the eligible categories. This includes the card’s 1% base rate plus a 4% bonus. Purchases above the $1,500 cap and all non-bonus spending earn 1% cash back.
If you max out the bonus categories each quarter, you can earn $300 cash back, or 30,000 Ultimate Rewards points, each year. That’s a meaningful return!
How to activate Chase Freedom 5% bonus categories
Q3 2026 categories are open for activation and apply to purchases from July 1 through September 30, 2026. You’ll need to activate each quarter, and you can do that easily by clicking here. Registration closes on September 14, 2026.
Chase Freedom 5% Cash Back Categories 2026 Third Quarter (July-September)
Chase's Q3 2026 5% cash back categories opened for activation on June 15, 2026. Between July 1 and September 30, 2026, you can earn 5% cash back on up to $1,500 in combined purchases on gas stations, public transit, EV charging, select live entertainment, and donations to United Way.
Registration is open through September 14, 2026. But it’s worth taking a moment to activate now so you’re ready to start earning bonus cash back starting July 1.
Maximize Your Earnings With a Premium Chase Card
The best way to leverage the points earned from your Freedom Flex or Freedom Card is by combining them with a premium Ultimate Rewards-earning card like:
- Chase Sapphire Preferred® Card (Rates & Fees)
- Chase Sapphire Reserve® (Rates & Fees)
- Ink Business Preferred® Credit Card (Rates & Fees)
- Sapphire Reserve for Business℠ (Rates & Fees)
$95Rates & Fees
- 5X points on Lyft rides through September 2027
- 5X points on travel purchased through Chase Travel℠
- 3X points on dining at restaurants worldwide
- 3X points on gas and EV charging
- 3X points on vacation homes at top brands like Airbnb, Vrbo and more
- 3X points on eligible streaming services
- 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
- 2X points on all other travel
- 1X point per dollar spent on all other purchases
$795Rates & Fees
- 8x points on all purchases through Chase Travel℠
- 4x points on flights and hotels booked directly
- 3x points on dining worldwide
- 1x points on all other purchases
$795Rates & Fees
- 8X points on all Chase Travel℠ purchases
- 5X total points on eligible Lyft rides through 9/30/2027
- 4x points on flights and hotels booked directly
- 3x points on advertising purchases made with social media platforms and search engines
- 1 point per dollar on all other eligible purchases
The way this works is straightforward. If you only hold the Freedom Flex or Freedom Card, you can redeem your earnings only as cash back at a value of 1¢ per point.
However, if you hold a premium card, you can transfer your earnings to the premium card. Then, you can redeem these points through the Chase Travel Portal or Chase Pay Yourself Back to get up to 2¢ per point, depending on which card you have. Moving points to a premium card also opens up the option of transferring these points to a Chase travel partner, where you can get even more value for your points.
You can maximize the earning potential on the Freedom Flex or Freedom Card by spending just $500 per month in the quarterly bonus categories. If you do, you'll earn $300 cash back (or 30,000 Ultimate Rewards points) each year.
Related: How to Combine Chase Ultimate Rewards Points Between Credit Cards
Past Freedom Card Rotating Bonus Categories
One of the first things you pick up looking at the historical calendar of Freedom bonus categories is that many of them repeat. Grocery stores, gas stations, restaurants, and department stores often show up once or twice each year. We’ve listed the bonus categories below, dating back as far as 2014, followed by some tips to maximize the categories we see repeating each year.
| Year | First Quarter | Second Quarter | Third Quarter | Fourth Quarter |
|---|---|---|---|---|
| 2026 | January – March • Norwegian Cruise Line • Dining • Donations to American Heart Association | April – June • Amazon • Chase Travel • Donations to Feeding America | July – September • Gas stations • Public transit • EV charging • Select live entertainment • Donations to United Way | TBD |
| 2025 | January – March • Grocery stores (excluding Target and Walmart) • Fitness clubs • Hair, nails, and spa services | April – June • Amazon • Select streaming services • Internet cable and phone services | July – September • Instacart • Gas stations • EV charging • Select live entertainment | October – December • To be announced • Activate starting September 15, 2025 |
| 2024 | January – March • Grocery stores (excluding Target and Walmart) • Self-care and spa services • Fitness clubs and gym memberships | April – June • Restaurants • Hotels • Amazon.com | July – September • Gas stations • EV charging • Select live entertainment • Movie theaters | October – December • PayPal • McDonald's • Pet shops and vet services • Select charities |
| 2023 | January – March • Grocery stores (excluding Walmart) • Target • Fitness clubs and gym memberships | April – June • Amazon.com • Lowe's | July – September • Gas stations • EV charging • Select live entertainment | October – December • PayPal • Wholesale clubs • Select charities |
| 2022 | January – March • Grocery stories (excluding Target and Walmart) • eBay | April – June • Select streaming services • Amazon.com | July – September • Gas stations • Rental cars • Movie theaters • Select live entertainment | October – December • PayPal • Walmart |
| 2021 | January – March • Wholesale clubs • Internet, cable, & phone services • Select streaming services | April – June • Gas stations • Home improvement stores | July – September • Grocery stores • Select streaming services | October – December • PayPal • Walmart |
| 2020 | January – March • Gas stations • Internet, cable, & phone services • Select streaming services | April – June • Grocery stores • Fitness club & gym memberships • Select streaming services | July – September • Amazon.com • Whole Foods | October – December • Walmart • PayPal |
| 2019 | January-March • Gas stations • Drug stores • Tolls | April – June • Grocery stores • Home improvement stores | July – September • Gas stations • Select streaming services | October – December • Department stores • Chase Pay • PayPal |
| 2018 | January-March • Mobile wallets • Gas stations • Internet, cable, and phone service merchants | April – June • Groceries • PayPal • Chase Pay | July – September • Lyft • Walgreens • Gas stations | October – December • Wholesale clubs • Department stores • Chase Pay |
| 2017 | January-March • Gas stations • Local commuter transportation | April – June • Grocery stores • Drug stores | July – September • Restaurants • Movie theatres | October – December • Walmart • Department stores |
| 2016 | January-March • Gas stations • Local commuter transportation | April – June • Grocery stores • Wholesale clubs | July – September • Restaurants • Wholesale clubs | October – December • Wholesale clubs • Drug stores • Department stores |
| 2015 | January-March • Grocery stores • Movie theaters • Starbucks | April – June • Restaurants • Bed Bath & Beyond • H&M • Overstock.com | July – September • Gas stations • Kohl's | October – December • Amazon.com • Zappos.com • Audible.com • Diapers.com |
| 2014 | January-March • Gas stations • Movie theatres • Starbucks | April – June • Restaurants • Lowe's | July – September • Gas stations • Kohl's | October – December • Amazon.com • Zappos.com • Department stores |
Related: Credit Cards With Rotating Quarterly Bonus Categories
Final Thoughts
You can now activate and spend within the 5% bonus categories on the Freedom Flex or Freedom Card for July to September 2026.
If you hold the Freedom Flex or the Freedom Card, activating and leveraging your quarterly bonus categories is a must. The 5% rotating bonus is one of the main features of these cards, and it's where they deliver the most value. If you don't, you're leaving money on the table.
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Sapphire Preferred® Card (Rates & Fees), Chase Sapphire Reserve® (Rates & Fees), Ink Business Preferred® Credit Card (Rates & Fees), and Sapphire Reserve for Business℠ (Rates & Fees)
I have a Freedom unlimited card, when i go to the chasebonus site and enter my information it doesn’t recognize my despite putting the correct information.
I asked AI if this applies on international dining (it does), but was reminded that the Freedom Flex card has a 3% fee on International transactions. If you could include such info in your articles, it would be helpful. Thank you.
This is awesome! Can you please deposit my 5 AA miles?
Unfortunately, AA has blocked us from being able to award 5 AA miles per comment 🙁
What’s the best way to redeem the 5% cash back to get the most bang for my buck? I have a Chase Sapphire. I have 5% from the 1st quarter sitting in my freedom account and don’t know what to do with it.
Combine the points from your Freedom card to your Sapphire! That will boost the value of those points to 1.25 cents through the UR portal and make those points fully transferrable to airlines and hotel partners. We are in the process of updating this post, but here’s an overview of how to do so: https://awardwallet.com/credit-cards/chase-ultimate-rewards/how-to-combine-chase-points/
Id like to know what counts as fitness club & gym memberships. What about home gym memberships such as The Mirror (now Lululemon), NordicTrack iFit, Bowflex JRNY, Peloton, etc, etc ?
Check out AwardWallet’s Merchant Lookup Tool to see how purchases have posted: https://awardwallet.com/merchants/
Chase defines fitness club & gym memberships as: “Merchants in this category include health clubs, exercise, or athletic facilities requiring membership and offering access to services related to physical fitness, such as fitness clubs, fitness centers, fitness studios, gyms, aerobics, cardio fitness and other services such as yoga and cross fit training. Merchants that specialize in offering personalized or therapeutic services such as massage therapy, dietary and weight management counseling and personal training are not included in this category. In addition, some merchants that sell a wide variety of general goods, which may include fitness or athletic apparel, sporting goods, dietary food, health food or similar supplements are not included in this category. Also, certain lodging, hotel, motel, resort and central reservation services offering access to third party facilities that include fitness clubs or gyms are not included in this category unless they classify as a fitness club or gym membership merchant.”
Thanks for posting this, it reminded me to sign up both my cards. With gas prices as high as they are will max these out quickly ha
maybe getting a second card for the rotating categories?
It’s definitely possible. I currently carry back the Freedom Card and the Freedom Flex to double up on how much I can earn at 5% each quarter.
I have been super busy and forgot about this! Thank you! I think there needs to be a website that I can just change all my streaming at once. I guess I’ll need to think if it’s worth it or will my purchases at Amazon fullfill the bonus.
I’m thinking of getting a second card for the rotating categories
best thing to do is have a reserve card along with this one and you can double dip the bonuses
I would encourage readers to use the Paypal category for the Chase Freedom cards to make charitable donations. I have discovered that even charities that do not list Paypal as a pay option on their own website may be listed on Paypal’s own charitable giving website https://www.paypal.com/fundraiser/hub. That way you get 5x UR points for charitable deductions up to $1500.
hmm, it’s a little complex and demands too much attention for applying, There are better promotions…
Is there a way to check your progress against the bonus category spending limit? I haven’t been too successful trying to gauge my progress using the Chase mobile app, aside from manually adding my purchases to review the total vs the goal.
I really wish I didn’t have to activate these manually each quarter, Walmart is nice though, spend a bunch there.
This quarter’s bonus category (Walmart + Paypal) is sort of underwhelming…
It’s nice that Chase dovetails the PayPal category with Discover, effectively giving a bonus on PayPal for 6 months out of the year. Having Walmart as a bonus category on both the Freedom/Freedom Flex and Discover it also raises the cap to $3000 this quarter, which will be great for some people.
Absolutely love the grocery store bonus category!
With flex I am getting 5% base on grocery plus 4 % freedom quarterly bonus plus 50% more when merging points into Reserve account : Ie 13.5% all together .
Why not list the “Select Streaming Services”? Wording that way makes it seem like there is a catch.
They used to send me a text to sign up for the new categories but they stopped doing it and l forget about it. Thanks for the reminder. It’s nice to get something back for using the card. It has taken me a long time but now l have enough points for some free tickets somewhere on the beach. Love my Freedom card
Nice news. The fight for conquer the client does not end for air companies.
Are both cards (Freedom Flex and Freedom card) activated at the same time or do you need to activate them separately?
I think since it asks for the last 4-digits of the card, you’ll need to do them separately.
Separately. You’ll have to go in to each card.
I have a freedom unlimited card but it doesn’t offer rotating categories. I downgraded from a sapphire reserve card. I also have a chase freedom with rotating categories. Should I switch to a flex card? Thank you
As long as you hold the card, you should just sign up for it even if you do not intend to have and spend in the quarterly categories.
The $1500 cap on the home improvement center purchases might been too little for many card holders.
I had activated this but seems like this time around, AmEx has just overshadowed my spend compared to Chase. Got the Plat with the 10x grocery and gas offer and then used that to get HD/Lowe’s GC for 10x back so the Chase quarterly category has just been unused. Wish Chase can make this more like the Citi Custom Cash now.
I both have the grocery signup bonus for the Flex and the Amex Platinum. Wish Amex was a year, though 10x is pretty sweet.
I wish next quarter was groceries instead of gas. I only have to fill up every few months since the virus started.
I wish that Chase would release the entire calendar like Discover.
On the upside, it’s kind of exciting and gives one something to look forward to (I was pleased this quarter, as I used quite a bit of the quota on wholesale clubs and internet/phone service), and Chase allows for retroactive 5x earnings if you activate very late, so it’s much more forgiving if one forgets, unlike Discover. Downside is that you can’t form a cohesive strategy for the whole year, but that’s mitigated by having overlapping redundancies from holding 10+ other cards (CFU, CSP, Hilton, Discover, AA cards). I believe that Chase piggy-backs off of other issuer’s calendar categories because they understand that many cardholders have both cards, and thankfully share the space, rather than competing. Wholesale clubs are a 6-month contiguous bonus category this year if you hold the Freedom/Flex and Discover it® card.
Always great to see gas stations as a bonus category. Would love to see streaming services stay on as a permanent category though.
I like the fact I can transfer to a travel partner. Not all cards allow you to do this.
Thanks for the reminder!
I prefer to pick my bonus categories each month/quarter as opposed to them being selected for me. I have certain cards for certain categories.
Yay for gas stations!
Other than the sign-up bonus, is there any reason to apply for the Chase Freedom Flex if you already have the Chase Freedom and the Freedom Unlimited?
That’s something that I’m struggling with as well. I have both the Freedom and the Freedom Unlimited, and I’m struggling to justify using a 5/24 slot for a new Freedom Flex. There are some unique perks of the Freedom Flex – like cell phone insurance, Postmates discount, Lyft promo, etc: https://awardwallet.com/credit-cards/chase-ultimate-rewards/freedom-flex/
But, the real reason to justify signing up for the Freedom Flex is the solid $200 sign-up bonus + 5X on groceries for a year.
Given that the Freedom Flex is a MC, it will have limited value at Costco. OTOH, if you have the legacy Freedom (which I have kept for now), then this is a good opportunity to earn 5% on Costco purchases.
One more reason to NOT product change if you have the Freedom.
You should be able to buy Costco gift cards online then you can take those cards and pay in store.
Yes, that’s definitely true, but it’s also another step as opposed to being able to use the credit card directly at Costco.
I agree that I think for certain categories this should be a permanent offer
I very much think certain categories should be made permanent.
Earning further cash rebates at Costco is certainly a very welcoming news to many.
“Select streaming services” which ones might those be?
Thx in advance
You can find details on which merchants qualify here: https://creditcards.chase.com/freedom-credit-cards/merchants#Streaming
5% of the Purchase Value as Cash-back is so generous.
I want the flex but like some am nervous that applying for another new chase card…this will be my 6th as well as needing to dowmgrade my CSR to get the SUB again has me a little on pause. Anyone feeling the same?
I’m being very conservative about applying for cards right now, too. I want the Chase Freedom Flex and the Chase Ink Business Cash cards but will wait awhile before applying.
Anyone know if Walmart Grocery is included? The terms say “Purchases in the Walmart category include purchases at Walmart Discount Stores, Walmart SuperCenters, Walmart Neighborhood Markets, http://www.walmart.com, Walmart branded gas stations operated by Walmart, any other Walmart branded retail stores operated by Walmart, and purchases made with Walmart Pay.”
Eh I just don’t shop at Walmart too much or use PayPal. I guess this holiday season either I need to use PayPal or just not max out the bonus this time. I don’t like to shop too much at Walmart unless I have to because I don’t like several of their company practices. I wonder why they picked Walmart and did not include Target? Amex just might get my business this holiday season.
Citibank and DIscover cards also have this feature. What they do not have is the higher point value if you have a more premium card with an annual fee.
Do anyone incur extra expenses from shopping through PayPal?
Yes. I love when PayPal is up. All my online purchases bring me the bonus!!!
Agreed. Always happy to see PayPal when it pops up for a quarter.
My card is activated. It is now so easy to activate the categories through the app. I can remember when this was not the case and it seemed that every quarter I had to figure out where they had hidden the activation on their webpage. It almost negates my chronic underlying annoyance that the categories have to be activated at all. (But not quite.).
Supposedly the Freedom Flex will not be eligible for Q3 categories on new sign-ups even though it’s technically possible to get approved before the Q3 enrollment window ends. Seems strange. Product changes from OG Freedom (and perhaps others?) still seem to allow Q3 enrollment.
I haven’t been using this card much, but have had it a while and had no idea I had to activate these bonuses. I wish I had known and would have used this card for all my purchases at Amazon & Whole Foods since July – which were a lot! Thanks for this useful info for someone still trying to get on top of the best way to use my cards!
I’d like to buy Iphone 12 max for my girl friend hope apple will be publish iphone 12 more fast or else i will be choose HUAWEI phone as it’s have great 5G network.
Q3 has been very good. Usually Amazon falls into Q4’s “holiday” category. Maybe back to back quarters for Amazon this year?
Wait for this labor holiday to buy many things and this cashback would be better to choose this card. Thanks for tips.
Would you take advantage of the bonus with your Christmas shopping?
I don’t want to use Chase again since i have been reject to apply a new card as 5/24 rule. That’s very bad experience for chase . I usually use AE card to earn Marriott points.
This is an odd post. The whole purpose of the freedom card is to get the rotating bonuses . . . so how many cardholders would not be aware of the current categories more than two months into the quarter??
This is just a reminder to double-check that you actually registered, since the deadline to get retroactive credit is 9/14.
Thanks for the reminder! So curious what next quarters extra points selection will be, hope they continue with amazon.
Can I also use the Chase UR Pay Yourself Back to these Whole Foods purchases on the Freedom?
The Pay Yourself Back featured is only available to Chase Sapphire Preferred and Chase Sapphire Reserve cardholders for now, but Chase did say that they would add more cards later. You still have the option to redeem Chase Freedom earnings for 1% cashback.
To help you plan for the year, Discover will give 5% cashback for Amazon (and Walmart.com and Target.com) in Q4 (Sep-Dec). So if you have the right set of cards, you’ll be earning 5% for the rest of the year at Amazon.
For Chase cards, check out the Pay Yourself Back program. A great way to redeem ultimate rewards points at a good value. It allows you to offset purchases on your card.
I can’t wait to activate my extra points. It ads up to a free vacation. Hooray!
When are the credit cards going to bring back price protection of purchases?
Unfortunately, I think that’s a long-gone benefit. Services that automated these claims flooded benefits administrators with claims, so cards killed off the benefit. I’m hopeful that banks will figure out a way to offer the benefit with limits — such as claims needing to be for at least $20 or that you can only make up to 5 claims a year.
While 5% is very generous, I dislike that cardholders even have to ‘activate’ this cashback! It should be automatic. Also, it’s frustrating not to know what the next quarter cashback will be…
Amazon bonus is always a welcome category.
Amazon and Whole Foods are the same company. Neither of which I support due to their contributions towards global inequality and terrible labor practices. I will not be utilizing this category. I dislike how it’s not “Grocery” and restricted to one store.
Keep in mind that the 5% for Amazon includes Amazon Fresh orders, but not Amazon Wholefoods orders, if you want to leverage it for grocery delivery.
Thanks–helpful! However, is the activation site down? It keeps deleting my info and saying “We can’t enroll you with the information provided”
Well this quarter seems like a bust. I’ve heard of Whole Foods but haven’t seen one in my area, and I generally don’t order online often. I guess this is the push I needed to figure out if it would be cheaper to buy some of my recurring grocery/household item expenses from Amazon.
Great category again but I already have 2k+ gift card balance in my Amazon account. Thanks to 4 freedom + CSR and Q2’s category.
I own the Freedom card for years and for me the categories, while a great bonus, are often a hit or miss. I might be one of the very few people who don’t shop on Amazon and whole foods is the one grocery store that I do not have in my neighborhood.
Also plenty of other categories they often have, I use a business credit card to pay for. So unfortunately I don’t get much benefit from the Chase Freedom card aside from it having no annual fees.
Wish I could take better advantage of the 5% points bonus.
Anyone else find it odd there are only two options? There have previously been three, though Q2 chase added back streaming to provide that flexibility after the shutdown. Also surprised Chase chose a very specific grocery brand, not to mention one of the most expensive and region-specific. Guess I’ll have to be giving Discover the majority of my cashback business this quarter.
Thanks for the reminder to activate. I’ll do that today through the app. Amazon is a great category. I can’t say I’m as enthusiastic about Whole Paycheck though…but that’s just me.
Fitness and Gyms are a joke right now- I guess that’s offset by the streaming since that’s what people are doing instead.
Grocery stores is useful… Gyms during lock down is a NO !!
Note that they added “Streaming Services” as an additional category this quarter!
That’s great, it would be good to know which are the included streaming services.
Getting a CSP is not worth it after the signup bonus. Even if you managed to max out all 5% categories on the freedom and got $300 for the year, you would only get $75 additional for having the CSP, and the annual fee is $95. Already get >2.5% on dining and travel with other no fee cards. We buy grocery gift cards to max out the 5% grocery quarters for Discover and Chase, as we would never come close to maxing them out otherwise. Gets us 5% off groceries all year long.
I always love it when they have groceries. I always max out the bonus. I will have to look at the fitness more closely. I wonder if it includes anything online. I know my gym offers online classes since the gym is closed. So it might still be an option.
Chase didn’t get the memo on gyms and fitness clubs?
It is not too late to make the changes, or is it?
Well, this quarter should be maxed out in a week. In all that is going on it’s easy to forget the usual things you have to do to maximize points and so on.
That’s why; everyone is so preoccupied and down these days.
At this time with the Covid-19 pandemic, I don’t think anyone will dare go to the gym or fitness.
I do miss my gym, that is for sure. I will tkae the bonus on groceries though!
I’ll admit I was peeved at first when I activated and saw that Walmart purchases won’t be eligible. There’s a Walmart local to me and it’s where I do my grocery shopping because the prices are the best compared to some of the other local area chain markets. My guess is that they want the focus to be points earned from actual markets and not from a trip to a mass merchandiser like Walmart or Target because you needed non-grocery items.
It would be great to see grocery stores include Walmart and Target. In my experience, groceries there are substantially cheaper than chain supermarkets and I won’t pay more for everyday purchases just to earn points.
I’m pretty sure that I’ve had a grocery-only WalMart code as groceries. They say this just to set expectations though. It’s the store that sets its merchant code, not Chase. Stores like this will never code as groceries so Chase is just being proactive in notifying people that it won’t count.
Why wouldnt the switch the gym/fitness center out? That makes no sense.
The grocery store bonus is very nice during this time.
The gym…not so much.
The gym bonus is unfortunately a joke nowadays.
I wish they would just automatically register everyone for these 5% bonus categories. Why do people have to activate? It is just a way to make sure some people would not qualify for it.
I agree that would be nice, but I think they want to force people to think about their Freedom card at least 1x per quarter. If the goal was to have fewer transactions qualify, they wouldn’t make the earning retroactive for transactions made before registration.
Making people register is a way for marketing to advertise this as true and get people to sign up but have hope that a certain percentage won’t maximize their rewards and capitalize.
They used to send me a text when it was time to activate, but they don’t do that anymore. Now sometimes l forget about it
5% at grocery stores it is. No gyms for the rest of the year.
I’ve already activated. It’s nice that they’ve made it so easy to do so on the app. It used to be difficult to find but it’s much improved. I wish they’d get rid of the need to activate the categories altogether but that’s probably too much to ask.
A great time to earn points on groceries since that’s about the only thing we should be spending on in this time of Coronavirus.
5% cash back bonus on gym memberships is pretty pointless. Most, if not all, gyms are currently closed due to the COVID-19 situation.
Thanks
They should swap the pointless category out with a “useful” one.
Karl, I enjoyed your, perhaps unintentional, pun… “pointless.” Although, I guess it’s technically a cashless category here. Yes, the inclusion of gyms makes it look as if an unaware, preprogrammed computer was choosing categories this quarter. Would have thought they’d catch this. They use these categories as incentives to spend and no incentives will work on gym spending right now. That’s certainly why they added streaming services with the update. Glad they adjusted a bit.
Hmm, strange indeed that they did not swap out the gym category for something more useful during the present situation (e.g., pharmacies, hardware stores, etc.) I guess they plan these promotions far in advance and it’s difficult to change them on short notice.
How can the substitution be so difficult when practically all it takes is a revision in their database?
Probably due to contractual agreements. I would guess that merchants give something back in exchange for incentivizing business on this kind of scale.
Pair this with a CSR and you’ll be earning URs in no time
What are CSR and UR?
Chase Sapphire Rewards credit card, and Ultimate Rewards (their points nomenclature).
CSR = Chase Sapphire Reserve (not Chase Sapphire Rewards)
UR = Ultimate Rewards
Agreed. Optimal UR-earnings result from a portfolio, with CSR as the crown jewel.