Chase Freedom Flex Bonus MCC Categories
The Chase Freedom Flex earns bonus rewards when you spend at merchants with specific MCC (Merchant Category Code) codes. Here's a breakdown of which categories earn bonus rates:
1. Rotating Quarterly Categories — 5% Cash Back
Each quarter features different bonus categories (e.g., groceries, gas stations, online shopping). Must activate each quarter.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Rotating Quarterly Categories | 5399, 5311, 5732, 5734, 5411, 5422, 5441, 5451, 5462, 5499, 5541, 5542, 5812, 5813, 5814 | Amazon, Target, Walmart, Grocery stores, Gas stations, PayPal |
2. Dining & Drugstores — 3% Cash Back
Restaurants and drugstores earn 3% cash back year-round.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Dining & Drugstores | 5812, 5813, 5814, 5912 | Restaurants, CVS, Walgreens, DoorDash, Uber Eats |
Tips to Maximize Chase Freedom Flex Rewards
- Activate 5% categories every quarter — set a calendar reminder
- Pair with Chase Sapphire Reserve to convert cash back to points (worth 1.5x via travel)
- Use for drugstore purchases (3% year-round) — great for pharmacy and health items
- Max the $1,500 quarterly cap to earn up to $300 cash back per year from 5% categories
- No annual fee makes this a perfect companion card
Frequently Asked Questions
What are the Chase Freedom Flex quarterly categories?
Categories rotate quarterly. Common categories include grocery stores, gas stations, online shopping (Amazon, PayPal), and dining. Check the Chase app for current and upcoming categories.
Is Chase Freedom Flex worth it?
Yes — it's free and earns up to 5% cash back. Even if you only use it for quarterly 5% categories and 3% dining/drugstores, it's worth having in your wallet.
Does Chase Freedom Flex have an annual fee?
No. Chase Freedom Flex has no annual fee, making it one of the best no-fee rewards cards available.
Last Updated: June 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.