Chase Unveils Q1 2021 Freedom 5% Cash Back Categories

Advertiser Disclosure Editorial Disclosure

The Chase Freedom Flex wowed consumers with its excellent features. Now, the no-annual-fee card from Chase is starting its first full year offering 5% cash back on rotating categories. But what will those categories be? The first round is now known – here are the Chase Freedom 5% cash back categories for Q1 2021:

Chase Freedom Flex 5% Cash Back Categories for 2021

Chase has finally joined Discover in announcing its Q1 2021 5% cash back categories. Formerly only applying to the Chase Freedom card, 2021 marks the first full year for 5% categories with the new Chase Freedom Flex.

What Are the Chase Freedom / Chase Freedom Flex 5% Cash Back Categories for Q1 2021?

So, what are the cash back categories for Chase Freedom and Freedom Flex cards for January through March 2021? The following categories made the cut for Q1:

  • Wholesale Clubs
  • Internet, Cable, and Phone Services
  • Select Streaming Services

Streaming services are the sole holdover from the 2020 5% Cash Back Calendar. That category includes a wide selection of streaming providers – which is made up of both video and on-demand music. Select streaming services include Pandora, Netflix, Hulu, Sling, Vudu, Spotify, Apple Music, and more.

The internet, cable, and phone services category is fairly straightforward. Freedom and Freedom Flex cardholders can offset their monthly mobile phone bills, cable bills, or internet provider charges at 5% back for the first $1,500 in spending (across all categories).

Wholesale clubs are another common category, allowing cardholders to save when shopping at Costco, BJ’Ss, Sam’s Club, and more.

Official Terms and Conditions

As with all 5% Cash Back Calendars, Chase offers specific rules and regulations regarding eligible purchases. The biggest caveat is that the 5% cash back applies to the first $1,500 in purchases in the quarter. Once a cardholder spends over $1,500, they will earn 1% cash back on all purchases until Q2 begins in April.

Other official terms and conditions from Chase:

Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category.

Chase Credit Cards Eligible for 5% Cash Back

Featured Photo by geralt / PixaBay

About: Cory
Cory Santos

Cory is's "Jack of all trades" and resident credit expert, covering all facets of the credit card space. Cory holds academic degrees in both the U.S. and U.K. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.

Advertiser Disclosure

BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.

Get the Best Credit Card Content in Your Inbox

Sign up for our newsletter to receive the latest credit card articles and news so you can stay on top of your financial wellbeing.