freedom flex top spend bonus
Want to discuss these deals? Apply to join the members-only MilesTalk Facebook group.
Advertising Disclosure: Links and credit card offers on this page may earn us a small commission. They never influence what we cover but they do keep the lights on. Learn More

Chase Freedom Flex cardholders already get 5% total in rewards in the 4th quarter for spend via PayPal or at Walmart, up to $1,500 in spend as long as they registered. The Freedom Flex has rotating bonus categories each quarter.

But Danny Deal Guru learned that there’s an additional bonus going on in the 4th quarter, and those that registered for the rotating bonus categories are automatically enrolled.

If you are in a cash crunch, you should avoid travel rewards credit cards until you are caught up. Here are our favorite credit cards for Intro 0% APR offers and for balance transfer offers

With the Top Spend bonus, described on the Chase website here, you will get get an additional 5 points per dollar spend in whatever you spend the most in in the 4th quarter (up to $1,500) on:

Travel (including Transit), Dining, Home Improvement Stores, Grocery Stores (not including Target and Walmart purchases), Drugstores, Gas Stations, Select Live Entertainment, Select Streaming Services, Fitness Clubs.

If your “Top Spend” category earns a bonus already, this will stack, but note that the 5X rotating quarterly is actually 4 extra points on top of the base point and, for instance, dining is 2 extra points (for 3X total). So if you spent $1,500 on dining, you would earn 7X total points (1X for base, 2X for dining bonus points, and 4X for the Top Spend bonus. (Again, the Top Spend is +4 bonus points for a total of 5X including your base point).

If you, for example, spend $1,500 at a home improvement store using PayPal, you would earn 1 base point + 4X PayPal bonus+ 4X Top Spend for 9X total.

If you max out both the rotating 4th quarter category and the Top Spend bonus, you’d be nabbing an extra 12,000 bonus points (between all bonuses)!

If you stack this with the new cardmember bonus that includes 5X on grocery store purchases on up to $12,000 spent in the first year, this stacks with that too….

More about: Chase Freedom Flex


Let me know below in the comments, on Twitter, or in the private MilesTalk Facebook group.

And if this post helped you, please consider sharing it!

You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards

New to all of this? My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.

I got "in the game" in 2003 and since then I've collected literally millions and millions of frequent flyer miles and hotel points. I've flown around the world in first class seats that would cost $29,000 using frequent flyer miles and a few bucks in tax. And I've stayed in some of the finest hotels - all for free! A few years ago I realized many of my friends actually thought I was paying for these!! So I started sharing my tips. It's long been a passion, but when I hosted a session on Miles and Points at this year's South by Southwest festival, my love of the game intensified and this blog was born.


Please enter your comment!
Please enter your name here