Cash Back Calculator: Chase Freedom Flex

The Chase Freedom Flex offers 5% cash back on quarterly rotating categories. Get the list of categories and calculate total cash back based on your spend.

The Chase Freedom Flex℠ is a cash back credit card that features bonus categories that rotate quarterly. These categories offers 5% cash back on up to a combined spend of $1,500 per quarter which can earn you up to $75 in cash back. The card also has several non-rotating categories that earns bonus cash back which are Chase Travel, dining, and drugstore purchases. Overall, the Chase Freedom Flex is one of the best cash back credit cards on the market and I highly recommend picking up this no-annual fee credit card.

Alternate Calculator: If you want to calculate rewards as Ultimate Rewards Points, you can use the Chase Freedom Flex Card Point Calculator.
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Rewards Rate Details

The Chase Freedom Flex Card features three static categories that earn bonus cash back all year long. The static categories are Chase Travel purchases, dining, and drugstore. There's no cap on the amount of cash back you can earn on these static categories and no limit to the amount of cash back you can earn on the card overall.

The Chase Freedom Flex also features quarterly rotating categories. These categories change according to the standard calendar quarters which are:

  • Quarter 1: January 1 - March 31
  • Quarter 2: April 1 - June 30
  • Quarter 3: July 1 - September 30
  • Quarter 4: October 1 - December 31

Chase typically reveals the bonus categories for an upcoming quarter on the 15th day of the month prior to it starting. For example, they'll update their website or send out an email on March 15th to let you know what the quarterly categories for the 2nd Quarter will be.

The rotating quarterly categories have a combined earning cap of $1,500 per quarter. After you've hit that cap, you'll earn 1% back on those categories for the remainder of the quarter.

  • 5% Quarterly Rotating Categories
    • Combined spend cap of $1,500 across all featured categories for the quarter.
    • You'll earn at the non-category rate (1%) for the remainder of the quarter after hitting the cap.
    • You must activate your rotating quarterly category every quarter. This is not automatic.
  • 5% Chase Travel
    • Travel must be purchased through the Chase Ultimate Rewards Portal.
  • 5% Lyft
    • All Chase cash back and Ultimate Rewards credit cards feature Lyft as a bonus category.
    • Part of the Chase-Lyft partnership which lasts until March 2022.
  • 3% Dining
  • 3% Drugstore
  • 1% Non-Category
chase freedom 2020 calendar

Chase Quarterly Rotating Category History

Below is the history of Chase's rotating categories over the past few years. This will give you an idea of what kind of categories Chase offers on a yearly basis since they do not display all of their categories for the year at once.

Chase Quarterly Rotating Category History
2021
Q2 Gas Stations, Home Improvement Stores
Q1 Wholesale Clubs, Cable, Internet, Phone Services, Select Streaming Services
2020
Q4 PayPal, Walmart
Q3 Amazon.com, Whole Foods Markets
Q2 Grocery, Fitness Club, Gym Memberships, Streaming Services
Q1 Gas Stations, Internet, Cable, Phone, Streaming Services
2019
Q4 Department Stores, PayPal, Chase Pay
Q3 Gas Station & Streaming Services
Q2 Grocery & Home Improvement Stores
Q1 Gas Stations, Tolls, Drugstores
2018
Q4 Department Stores, Wholesale Clubs, Chase Pay
Q3 Gas Stations, Walgreen's, Lyft
Q2 PayPal, Chase Pay, Grocery Stores
Q1 Gas Stations, Internet, Cable, Phone Service Providers, Mobile Wallets (e.g. Apple Pay, Chase Pay, Google Pay, Samsung Pay)

Perks & Benefits

The Chase Freedom Flex Card features standard Mastercard World Elite benefits as well DoorDash perks. It also comes with Chase's standard benefits which includes great travel insurance and coverage.

Note About Calculator

Note: The calculator for the Chase Freedom Flex has four categories listed as 'Quarterly Category'. Since Chase does not release all of their categories for the entire year at once, you'll only be able to calculate cash back based on the quarter categories.

I recommend inputting spend by year if you only want to calculate rewards for a single quarter. For example, entering $1,500 per year for quarter 1 will show the max rewards for that quarter's categories (which will output $75 in cash rewards). Using per month or per quarter would include the 9 months in which the quarter bonus does not apply and thus will reflect 1% back for those extra months.

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

Credit Card

This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
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SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
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Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
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Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
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Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Categories
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Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
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Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
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Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
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Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
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Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Value:
Return:
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Value:
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CardMatch™

Unsure of what type of rewards card you're looking for? Use CardMatch™ to get matched with offers, which may include special and/or prequalifed offers, on cards you're more likely to qualify for. You never know what great offers you might receive!

FAQ

Is the Chase Freedom Flex a good card?

Yes. It's a great no-annual fee cash back credit card that earns 5% back across quarterly rotating categories along with a great return on Chase Travel, dining, and drugstore purchases.

How does Chase Freedom Flex Points work?

Cash back earned with the Chase Freedom Flex is recorded as Ultimate Rewards Points with each point being worth 1 cent each when redeemed for cash.

How much are Chase Freedom Flex points worth?

If you only hold any of Chase's personal or business cash back credit cards, points will be worth 1 cent each. As a holder of the Chase Sapphire Preferred or Ink Business Preferred, points are worth up to 1.25 cents and as a holder of the Chase Sapphire Reserve, points are worth up to 1.5 cents each.

Updated 2021-04-01 By Robert Flowers III

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