Chase Quarterly Bonuses: What to Know

Depending on your specific Chase credit card and the promotions available, it may qualify for a quarterly bonus. Each quarter, you may earn extra Chase Ultimate Rewards® points or cash back through qualifying spending.

If you have the Chase Freedom Flex℠ card or Chase Freedom® card, each quarter you can activate a 5% cash back bonus in select Chase Freedom® categories and Chase Freedom Flex℠ categories (based on the Chase 5% cash-back calendar).

Here’s how to take advantage of Chase quarterly bonuses.

What are Chase quarterly bonuses?

Chase offers quarterly bonuses — where you can earn either extra points or extra cash back, depending on your card — to all Chase Freedom Flex℠ cardholders and to other Chase credit cardholders who both qualify for and activate their quarterly bonus on Chase’s website.

These can be extra points or cash back that you get for spending on certain purchases, including groceries, restaurants and streaming services.

How do you check if you qualify for a Chase quarterly bonus

If you have the Chase Freedom Flex℠ credit card, you’re guaranteed to have a new bonus every quarter that’s listed on the quarterly calendar.

As with any credit card offer, you’ll want to be sure to read the fine print to make sure your spending will qualify for the bonus.

If you have a Chase credit card other than the Chase Freedom Flex℠ card, you’ll need to visit chase.com/mybonus to see if you qualify for a quarterly bonus. Once you’re on the site, enter the last four digits of your credit card, your last name and your ZIP code.

Common Chase quarterly bonus categories

Different cards can be targeted for different types of bonuses and, aside from the Chase Freedom Flex℠, it’s possible that your Chase credit card may not qualify for a quarterly bonus during a specific quarter.

In our Chase Freedom spending category review, we determined these purchase types were more common than others:

• Select streaming services.

• Spending at least $5,000 on your Chase card in a quarter.

How to activate a Chase quarterly bonus

Activating your Chase quarterly bonus is easy, although the process differs depending on the type of Chase card.

To activate your Chase quarterly bonus for your Chase Freedom Flex℠ card, you’ll need to visit chasebonus.com and register for the bonus by the date listed on the Chase Freedom Flex℠ calendar.

When should you activate your Chase quarterly bonus?

To receive a quarterly bonus, Chase Freedom Flex℠ cardholders must activate their bonuses by the date listed on the Chase Freedom Flex℠ calendar. For instance, to qualify for the July to September quarterly bonus, you’ll need to activate no later than Sept. 14.

For all other Chase cards, you generally need to activate no later than the last day of the bonus period to qualify. Since different cards may have different bonuses offered, we’d recommend checking chase.com/mybonus at least once every three months to see if your card qualifies for a bonus. It never hurts to set a calendar reminder on the first of the month.

How to make the most of Chase quarterly bonuses

Savvy spenders can use Chase quarterly bonuses to maximize the number of points they get and put spend on the card based on the bonus they qualify for.

For instance, you may not normally put your grocery spending on the United℠ Explorer Card as you’d only get 1x miles for those purchases. But if you qualify for a quarterly bonus — such as 5x miles spent at grocery stores — you may want to do so for that quarter to maximize your points earnings.

Chase quarterly bonuses are a great way to earn extra points or cash back for spending that you may already be putting on your Chase credit cards. If you have the Chase Freedom Flex℠ credit card, you’ll want to take note of the Chase quarterly bonus calendar and remember to activate your bonus each quarter.

For all other Chase credit cards, we recommend checking the bank’s website at least once every three months to see if you qualify for a bonus. Once you activate your bonus and read the fine print, be sure to take advantage of the categories to maximize the number of points you earn with your Chase credit cards.

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