Overview

• Registration opened Sept. 15, and you must activate by Dec. 14 via Chase’s website or app for Oct. 1–Dec. 31 purchases to qualify retroactively.
• Q4 categories are Old Navy, Chase Travel and department stores, earning 5% on up to $1,500 combined spend for a maximum of $75 back this quarter.
• Freedom Flex bookings through Chase Travel earn 9% back during Q4 because the rotating 5% stacks on the card’s standard 5% portal rate.
• Cash back from Freedom Flex can be converted to Chase Ultimate Rewards if paired with a Sapphire card, effectively yielding 5x points and up to 7,500 points when you max the cap.
• One outlet reports a December-only 5% PayPal add-on for Freedom Flex, which has not been broadly confirmed by Chase.