The Offer
Direct link to offer (check the offer details well to ensure the offer you see if the one you want to signup for)
Chase is offering an additional bonus on the Chase Freedom Flex and Chase Freedom Unlimited cards:
- Get the standard $200 sign up bonus after $500 in spend; in addition, the card will earn 5% cashback on Grocery and Gas purchases in the first year, up to $12,000 in spend.
Card Details
Freedom Flex
- No annual fee
- Card earns the following points rates:
- 5% on rotating Quarterly Categories on up to $1,500 in total purchases (e.g. Q4 2020 will be PayPal and Walmart)
- 5% on Travel purchased through Chase Ultimate Rewards
- 3% on Dining
- 3% on Drugstore
- 5% on Lyft through March 2022
- 1% unlimited cash back
Freedom Unlimited
- No annual fee
- Card earns 1.5% cash back on all purchases
Our Verdict
We’ve seen this offer for either Gas or Groceries, sometimes with a lower $6,000 spend limit. This time it’s for both Gas & Groceries, and it comes with a $12,000 combined limit. Just double check that you see this precise offer as there are other versions floating around.
Hopefully this offer will be available via referral links as well. That will get your friend a bonus along the way.
This offer also coincides well with the Chase Freedom Flex 5% quarterly category which includes Gas this quarter. I believe you’ll get 8.5x/9x total when combining the signup offer and after activating the quarterly category.
Keep in mind while these cards talk about cash back you actually earn Chase Ultimate Rewards points. This means if you have an annual fee card such as Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Ink Plus or Chase Ink Preferred then you can transfer these points to travel partners. You could also use these points for the Chase Pay Yourself back feature to make them worth 1.25¢ each.
Unfortunately a lot of readers won’t be eligible for these cards/bonus due to the Chase 5/24 rule. We will still be adding this to our list of the best credit card bonuses.
Update: A reader notes that the 1.5% everywhere offer (up to $20,000 spend in the first year) is back. I think most will prefer the above-mentioned $200 and 5% offer.
Hat tip to USCCG
View Comments (54)
Got the $200 bonus + 5% gas and grocery store offer when I visited my local Chase branch (8/22/24)
Any hint/clue on when this offer is going to end?
I'm planning to close out my CSR - has been open since the product launched. Considering to keep the credit account with a PC to Freedom Flex vs. burn a 5/24 on this offer in favor of SUBs for CSP, BofA Elite, and other richer offers (Amex Plat or Cap One maybe). Am I thinking about that correctly?
I don't have much gas spending, but probably about $6k/yr in groceries. Opportunity cost vs. current Amex Gold is maybe $60-120 depending on MR/UR preferences (Amex Gold gets the @ work discount on the AF so it's essentially free after the Uber credits which we use).
If you PC, you get a new account number. And I remember somebody saying that a PC resulting in a new account number is counted towards 5/24 by Chase, not sure if it's actually true.
This isn't true. I did get a new account number but only because I was switching from a Visa to a MasterCard. My account age/history stayed the same, which means it didn't affect 5/24.
Ok, so $200 plus 4% of $12,000 is $680. Not a bad bonus.
(Excluding the 1% you’d normally earn on gas/grocery or any quarterly bonus)
$200 Bonus + 5% Back On Grocery & Gas First Year (Up To $12k Spent) shows up on my referral link for both Flex and Unlimited cards
Signed the wife up for the Flex version of this today via link on Reddit, not going to repost in case it's a referral, but these are still out there as of 10/22/23
Link no longer works, I tried different browsers, incognito mode etc. Pretty bummed about it, I really could have benefitted from it
Looks like this offer is no longer available, it has gone back to the standard $200 cash back offer for both FF and FU cards :(
I already have all Chase zero-annual-fee credit cards. A guy in branch told me that I can't receive a bonus for one more free CC, he called to CC department to confirm. Is it true? Some ppl here have 5-7 Chase freedom.
I want a new Chase Flex with bonus and zero APR. I called Chase. She told me that I might be declined bc I already have one. Is the probability of being declined high? What if I downgrade my Chase Flex to CFU? How long should I wait after downgrading? Will they approve?
Can't believe no one's answered this but yes, you can have multiples of each card. You just need to call in and product change one of your existing cards to a different product. Ie CFU to CFF for double 5% quarterly limit.
With a combined grocery + gas offer this would be a sweet deal - too bad we've already earned FF bonuses on the previous offers last year!
The FF 5X category for groceries and Amazon both stack with the 5X grocery bonus to earn 9X (grocery is obvious, Amazon this year allowed for stacking Whole Foods purchases with the grocery welcome bonus). Then gas would stack with the gas quarter. The combined offer would let you earn 9X on 3 of the 4 rotating categories (maybe all four if there is a grocery store that will let you pay with PayPal and would stack with that category in Q4?).
Just tried to buy Vanilla VGCs at Safeway and only a penny at a time would go through with PayPal. Found your comment searching DoC after this failure lol.
I got the offer after trying chrome, firefox, both normal and private browser. Ended up showing up on safari private browser on my phone so I applied there. Confirmed offer when applied. Did not get approved right away but I'm thinking it was because I applied outside of the usual mobile app or logged in online banking. (Already bank and have CSP with them.) They called me a couple of hours later to verify that I indeed wanted to apply for the freedom flex. Approved after verification, got the card expedited. Opened up the mail and saw the usual $200 SUB but nothing about the additional promotion. Activated card and the next business day called to confirm that the offer was applied and I will have 5% back both gas and grocery for the next year! I asked CSR if the wording appears anywhere on my app or account and they said no but they can confirm it is applied on their end. Hope that helps anyone else that was wondering.