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Chase Freedom Flex Guide

106 data points

Beauty And You

Hong Kong

Shopping

Date

2026-10-12

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Terminal 1 at Hong Kong International Airport

Reward Details

Amount

Earning Rate

50 USD1X

Rewards

50 Ultimate Rewards Points

Additional Notes

Duty free store at HKG

7-eleven

Hong Kong

Groceries

Date

2026-10-09

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

8.22 USD4.99X (With Bonus Earning)

Rewards

41 Ultimate Rewards Points

Great Food Hall

Hong Kong

Groceries

Date

2026-10-06

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Unit 009, Level LG1, The Mall Pacific Place II, 88 Queensway, Admiralty, Hong Kong

Reward Details

Amount

Earning Rate

8 USD5X (With Bonus Earning)

Rewards

40 Ultimate Rewards Points

Shake Shack

Hong Kong

DiningFood & Drink

Date

2026-10-06

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

20 USD7X (With Bonus Earning)

Rewards

140 Ultimate Rewards Points

Jollibee

Hong Kong

DiningFood & Drink

Date

2026-10-05

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

20 USD7X (With Bonus Earning)

Rewards

140 Ultimate Rewards Points

McDonald's

Hong Kong

DiningFood & Drink

Date

2026-10-03

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

20 USD7X (With Bonus Earning)

Rewards

140 Ultimate Rewards Points

12306

China

Passenger Railway

Date

2026-09-27

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD5X (With Bonus Earning)

Rewards

500 Ultimate Rewards Points

Amazon

USA

Amazon

Date

2026-04-21

Balance Reload

Yes

Purchase Type

🌐

Online Purchase

https://www.amazon.com

Reward Details

Amount

Earning Rate

4.9 USD5.10X

Rewards

25 Ultimate Rewards Points

Walmart Neighborhood Market

USA

Other

Date

2026-03-03

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

20 USD1X

Rewards

20 Ultimate Rewards Points

Bouchan Bakery

USA

Dining

Date

2026-02-24

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

43.68 USD5X (With Bonus Earning)

Rewards

218.4 Ultimate Rewards Points

Chick-fil-a #02665

USA

Dining

Date

2026-02-18

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

9.13 USD7X (With Bonus Earning)

Rewards

63.91 Ultimate Rewards Points

Trader Joes

USA

Grocery

Date

2026-02-17

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD1X

Rewards

100 Ultimate Rewards Points

Trader Joes

USA

Grocery

Bank & Card

USA flag

Chase Freedom Flexvia Apple Pay logoApple Pay

Date

2026-02-17

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD1X

Rewards

100 Ultimate Rewards Points

Vegas Wok

USA

Dining

Date

2026-02-17

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

15.42 USD7X (With Bonus Earning)

Rewards

107.94 Ultimate Rewards Points

Too Good To Go Inc.

USA

Dining

Date

2026-02-16

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

8.5 USD7X (With Bonus Earning)

Rewards

59.5 Ultimate Rewards Points

Coma Coffee Roaste

USA

Dining

Date

2026-02-16

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

23 USD7X (With Bonus Earning)

Rewards

161 Ultimate Rewards Points

Too Good To Go Inc.

USA

Dining

Date

2026-02-15

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

10.73 USD7X (With Bonus Earning)

Rewards

75.11 Ultimate Rewards Points

Taike Shabu Shabu

USA

Dining

Date

2026-02-14

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

27 USD7X (With Bonus Earning)

Rewards

189 Ultimate Rewards Points

Sweetwaters Coffee

USA

Dining

Date

2026-02-14

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

6.06 USD7X (With Bonus Earning)

Rewards

42.42 Ultimate Rewards Points

85c Bakery

USA

Bakeries

Date

2026-02-12

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

10.12 USD1X

Rewards

10.12 Ultimate Rewards Points

Weee

USA

Grocery

Bank & Card

USA flag

Chase Freedom Flexvia Apple Pay logoApple Pay

Date

2026-02-12

Giftcard Purchased

Weee

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

50 USD5X (With Bonus Earning)

Rewards

250 Ultimate Rewards Points

Katsuya

USA

Dining

Date

2026-02-10

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

13.22 USD7X (With Bonus Earning)

Rewards

92.54 Ultimate Rewards Points

Tea Pulse Flushing

USA

Dining

Date

2026-02-09

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

15.25 USD7X (With Bonus Earning)

Rewards

106.75 Ultimate Rewards Points

Nong Geng Ji Flushing

USA

Dining

Date

2026-02-08

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

83.75 USD7X (With Bonus Earning)

Rewards

586.25 Ultimate Rewards Points

Baos Pastry Llc

USA

Dining

Date

2026-02-08

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

67 USD7X (With Bonus Earning)

Rewards

469 Ultimate Rewards Points

Uep*mixue

USA

Dining

Date

2026-02-08

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

5.42 USD7X (With Bonus Earning)

Rewards

37.94 Ultimate Rewards Points

Baos Pastry Llc

USA

Dining

Date

2026-02-07

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

17 USD7X (With Bonus Earning)

Rewards

119 Ultimate Rewards Points

CVS

USA

Drug Stores And Pharmacies

Date

2026-02-06

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

20 USD3X

Rewards

60 Ultimate Rewards Points

Chipotle

USA

Dining

Date

2026-02-06

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

50 USD7X (With Bonus Earning)

Rewards

350 Ultimate Rewards Points

Additional Notes

Bonus from 1Q 5% cat: Dining

McDonald's

USA

Dining

Date

2026-02-06

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

50 USD7X (With Bonus Earning)

Rewards

350 Ultimate Rewards Points

Additional Notes

Bonus from 1Q 5% cat: Dining

Page 1 of 4

Quick Rewards Guide for Chase Freedom Flex

💡 Primary Spending Category: The community most frequently reports using the Chase Freedom Flex for "Dining" transactions as well as for "Grocery & Department Stores".

🚀 Top Earning Rate: Verified community purchases show this card earning up to 7X Ultimate Rewards points on high-reward category transactions.

🛒 Verified Merchants: Swipe Smart users have successfully logged card data points at popular stores including Beauty And You, 7-eleven, Great Food Hall, Shake Shack. Checking merchant coding prior to shopping ensures you trigger top tier category multipliers.

Frequently Asked Questions

Q:What are the best categories to use the Freedom Flex for?

Based on verified community transactions, the Chase Freedom Flex yields the best return when used for "Dining" transactions, followed closely by "Grocery, Department Stores".

Q:How do I ensure I get maximum points or cash back with this card?

Credit card rewards depend on the store’s Merchant Category Code (MCC). Always check Swipe Smart before purchase to verify how the retailer is registered (e.g. as groceries, dining, or travel) to ensure the transaction triggers the card’s multiplier categories.

Q:Does payment method (like Apple Pay or PayPal) affect the coding?

Yes. Paying through digital wallets like Apple Pay usually preserves the merchant's original category code. However, payment processors like PayPal or third-party delivery apps (e.g., Instacart, UberEats) may alter the merchant category code, sometimes overriding your card's standard multipliers.