Norwegian Cruise Line, Dining, and American Heart Association
I never thought we’d see 7x (1x base + 2x ongoing dining + 4x quarterly category) on dining again! It will be available to activate on the app/website starting 12/15.
Edit: For those who are skeptical about the stacking, I can confirm I am earning 7% on dining on my Freedom Flex. My first purchases for the quarter posted today (1/5/26) and show 7% earn in the Ultimate Rewards portal.
Any way to ask a Chase rep or view it online somewhere from a credible site?
Videos
When can we expect to see what they will be? I want to apply for both. Thinking of applying for the CFF and right after, for the Discover. I fugured the Discover is an easier approval. Has anyone done this with Discover the same day?
https://www.chasebonus.com/Default.aspx?27d9b1b19f9a4efe8bf2d1068fd50be8
From link: You can now earn 5% cash back from 4/1/25 to 6/30/25 on up to $1,500 in combined purchases in this quarter’s categories, plus our June birthday surprise category Internet, Cable, & Phone Services from 6/1/25 – 6/30/25.
If you’ve already activated, you can automatically start earning on qualifying purchases. If you haven't, you only need to once. Activate by 6/14/25 to earn 5% on purchases from 4/1/25 to 6/30/25 in the categories below AND from 6/1/25 to 6/30/25 in the surprise category Internet, Cable, & Phone Services, on up to $1,500 in total combined purchases.
AMAZON
SELECT STREAMING SERVICES
Earn 5% cash back on up to $1,500 in combined purchases on Amazon and Select Streaming Services from 4/1/2025 - 6/30/2025 to welcome the Spring season with cashback.
Old Navy, Chase Travel, Department stores and PayPal (for the month of December only)
I am looking for my 3rd credit card to complement my bofa cash rewards cc. I dont think any card can beat the 3.75% cash back that its giving me right now outright (online purchase, which is the bulk of my non-amex gold spending).
So i think the best card to complement it is either one of these 2 cards (CFU vs Discover equivalent). Please let me know if theres a better option out there
Second, which product gives the better categories? Is there a website that outline and compare the past categories for all of the quarters in the past, lets say, 3 yrs?
So I just watched Matt Clausen's latest YouTube video on the Freedom Flex (https://www.youtube.com/watch?v=iE-9GVkEqHc&t=196s) and what's interesting is he knows that surveys about the CFU and CFF did go out to some people earlier this year..... and that got me thinking.
He says in there that he has heard that surveys were sent out about the CFU and CFF in the last few months and in the survey about the CFF, there were a couple options that seems to replicate the Citi Custom Cash as well as options that largely kept the card as is and another that seemed to offer the categories that Chase has historically neglected --one could assume gas and *all* groceries.
I would assume that the card is being refreshed and maybe even moving over the Visa network as well. I have no idea how long Chase's contract with Mastercard was for the CFF, but it will hit 5 years this September.... so that could make sense. We'll see. But it does feel like an update/refresh is coming.
The easiest assumption next for the CFU would be for it to just become a standard catch-all card at 2x.
Then lastly for the CSP, I could see them doing something like they did to the CSR and eliminating the 2x travel/transit and making it just 3x on Flights and Hotels. Maybe an AF hike to $150, but if they did up the AF, I think that's as high as they'd go.
I know most of us have complained about the overlap in categories, but if these types of changes -- or something similar -- happen, Chase and it's trifecta could be better than ever before
Exampe:
CSP ($95 or $150 AF)
- 5x - Travel inside Portal
- 5x - Lyft
- 3x - Dining
- 3x - Streaming
- 3x - Online Groceries
- 3x - Flights booked Direct
- 3x - Hotels booked Direct
CFU
- 5x - Travel inside Portal
- 2x - Miscellaneous
CFF
- 5x - Travel inside Portal
- 5x - Category of Choice (similar to Citi Custom Cash)
I am not planning on getting much new cards in 2026. The gold seems a little tempting to me since I would use the credits now, wouldn’t really use them much before, and I’m honestly thinking about picking up the DoorDash credit card since I closed my Freedom Unlimited in October. I have a decent set up as of now so unless I want a card with travel rewards, or there’s a card with credits I’ll use, or if there’s an airline or hotel chain I start becoming loyal to, I don’t have much of a need to sign up for anymore things.
Here’s my current set up:
AMEX BCP: My daily driver for grocery streaming and gas. Disney Plus Credit.
Citi Double Cash: 2%
OneKey+: my travel card as of now, can also use for 2% back.
Amazon Prime: obvious reasons here
Sock Drawered: Discover IT/ Freedom Flex (will be coming out in January for restaurants)
Hi y'all! I am a 22 y/o based in a major US city and am trying to strategize what cards to get for 2026. On the fence on if Cash Back or Travel is the best match for my spending habits. I am planning on 2-3 international trips this year, I tend to travel frequently domestically (United & American, sometimes by car) but rarely stay at hotels.
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Current cards:
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CSP $11.3k limit, December 2023
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Chase United Quest, $5.6k limit, July 2024 (plan to downgrade)
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FICO Score: 756
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Oldest account age: 4 years 5 months
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Income: ~$60,000
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Average monthly spend and categories:
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dining $800-1k (a bit high because I always put my card down at restaurants and make my friends venmo me ... i refuse to watch someone use a debit card on a $40 meal... my real spending is probably $300-400)
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groceries: $300
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public transport: $50
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travel: $100-200
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other: $150
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Open to Business Cards: No
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What's the purpose of your next card? I want to get more out of my spending now, ideally would like to use for travel but I feel like cash back might be more beneficial for me at the moment...
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Do you have any cards you've been looking at? Amex Gold, Amex BCP, Capital One Venture X
Appreciate any suggestions on next steps !!
So Chase has a 5% category this quarter, and one of the categories is for department stores, which includes clothing brands. I used my card at Banana Republic and Gap, which are clothing stores, but I didn't get my 5% cash back. I called and submitted a case for review, and they got back to me, rejecting the case. What am I missing here?
For Q1 of 2025, the bonus category for the month of March only:
Insurance payments and Tax Preparation Service.
The regular quarterly $1500 limit applies.
Merchants in these categories provide tax preparation services and insurance. Tax preparation merchants in this category provide consumer in-person or digital tax preparation services. Insurance merchants in this category provide health, automobile, homeowners, renters, medical and life insurance. Product warranties and trip insurance purchases will not qualify in this category.
EDIT: Hello all I just did a test payment for Federal taxes through Pay1040 and it is NOT coding as tax preparation/services. It's coding as Bills & Utilities. Be warned!
EDIT2: The transaction posted and the 5% bonus counts. The category code changed to Tax & Insurance. Pay your taxes! It's a super easy way to hit the $1500 cap if you haven't done so already
-Gas Stations -EV Charging -Select Live Entertainment -Instacart
Hate when there’s overlap with Discover but I’ll take 5x UR over 5% cashback.
Seems like the Q2 categories are out here on this link now.
Q2: Amazon & select streaming services
Personally, this sucks, I was hoping for at least dining this time around, oh well. Sounds like a sock drawer quarter for me.
For discover it and Chase flex freedom?
Received an email with below offer on my Chase Freedom Flex. No activation needed.
Up to 1% Extra Cash Back Offer for Chase Freedom Flex: From 09/01/2025 through 11/30/2025, after you reach $1,000 in purchases you will earn an additional 0.50% for each $1 of your next $2,500 in purchases; after you reach $4,000 in purchases, you will earn an additional 1% for each $1 of your next $2,500 in purchases.
Seems like if you wanted to take full advantage of this offer, you'd need to put $6,500 of spend on the card, of which you'd get an additional 0.5% back on $1,000 of spend (500 points) and 1% back on $2,500 of spend (2,500 points).