freedom flex
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If you have a Chase Freedom Flex, you can earn 7x Chase Ultimate Rewards points on up to $1,500 in food delivery (or takeout / pickup) through the end of the year. You’ll need to jump through one hoop first, though.

Freedom Flex 4th Quarter Bonus Categories are PayPal and Walmart

Of course, you’re wondering how, as there is no promotion from Chase for this. The rotating Chase Freedom categories for the 4th quarterĀ of 2020 are PayPal and Walmart – and those would only earn 5X anyway, right?

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The answer lies in something called PayPal Key.

PayPal Key: Quick Overview

Assuming you already have a PayPal account, all you need to do is signup for PayPal Key. PayPal Key lets you link any credit card to a virtual credit card number on PayPal (called PayPal Key). When you signup, make sure the checkbox isĀ not checked to use your PayPal balance. You want to select your Chase Freedom Flex card.

You’ll then be given a virtual credit card number to save. You can’t use this in person… only online. Save this information somewhere secure.

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How PayPal Key Stacks Bonus Earnings on Freedom Flex

My next move was to put this virtual card number into all of my food delivery apps… Seamless, GrubHub, Caviar, DoorDash,, etc.


Whether I use one of these apps for food delivery or takeout to pickup, as long as the payment is processed on this virtual credit card account number (the PayPal Key), it gets processed as a PayPal charge, triggering this quarter’s 5X PayPal category.

But Chase *also* picks up the underlying bonus category – dining – and adds the extra 2X points per dollar for dining. If you are wondering why this is 7X and not 8X (5X + 3X), that is because the bonus categories are actually +4X for PayPal and +2X for dining in addition to the base 1 point per dollar. You don’t get that base point twice, so it’s 7X total.

paypal key freedom flex


My assumption is that this is by design. The PayPal Key should pick up the bonus category of the merchant and pass that on. And PayPal is a Chase Freedom Flex 4th Quarter bonus category. That said, it’s always possible that it isn’t intended to give both bonus categories, so there’s no guarantee that this continues to work.

Either way, this is yet another example of how powerful the new Chase Freedom Flex card is, even just with the 3X earning rate on dining with no annual fee.


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

New to all of this? My ā€œintroduction to miles and pointsā€ book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.Ā 

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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.


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