Chase Freedom & Freedom Flex Q2 2026 5% cash back categories: Amazon, Chase Travel & Feeding America
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Discover Q3 2026 5% Categories: Gas/EV, Transit, Flights, Drugstores
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Chase Freedom Q3 2026 5% Categories: Gas/EV, Public Transit, Select Live Entertainment, United Way
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Looks like Chase just copied Discover. Disappointing to not see much diversity in categories.
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Discover Q4 2026 5% Categories: Utilities, Restaurants, and Entertainment (on up to $1,500 in purchases)
- Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and caterers. Restaurants located inside of or affiliated with another business, such as hotels or retail stores, and establishments classified as a bakery may not qualify.
- Entertainment purchases include ticket purchases at movie theaters, sports promoters (professional and semi-professional live events), theatrical promoters, concert promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, video rental locations, pool halls and bowling alleys. Tickets for or fees at golf courses, country clubs, some collegiate sporting events, charitable events, as well as cable and digital streaming and subscription services, amusement park tickets purchased on third-party sites, and entertainment and resort packages categorized as “travel” or “hotel” do not qualify.
- Utilities purchases include purchases for residential electricity, natural gas, and water service. Utilities purchases also include purchases made over the phone or online for internet, cable, satellite TV, and mobile and landline phone service. Purchases at physical retail stores for internet, cable, satellite, and mobile and landline phone service do not qualify. Purchases made through third parties, such as through a landlord, property management company, or homeowners association, may not qualify. Purchases for home fuel delivery, standalone streaming services, some satellite phone and internet service, vehicle connectivity, accessories, or equipment may not qualify.
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Chase Freedom & Freedom Flex 5% Categories For Q4 2026: Grocery, Dining, Red Cross
- Grocery – Walmart and Target are excluded in the terms.
- Dining
- Red Cross donations – Reminder that starting in 2026, the IRS now allows a charitable deduction of up $1k/single or $2k/couple even for those who are not itemizing their deductions.
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Citi Dividend 5% Categories For Q4 2026: Dining, Citi Travel
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This is not available or even officially announced yet, until tomorrow. Info leaked to reddit via someone’s recently approved Flex.
I got it off DOC
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And DoC got it off reddit 
. DoC sometimes confirms rumors by reaching out to the media teams, but it’s not clear if they did in this case.
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This is officially available now and the categories are Grocery Stores (excluding Walmart® and Target®), Dining, and American Red Cross®.
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(per DOC & reported much earlier than usual in activation emails for 2026 4Q) -
Chase Freedom Q1 2027 Categories:
*Grocery (excluding Walmart & Target)
*Top Streaming Services
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Some good news on the Chase Freedom front in the last 2 days. OG and Flex dropped FTF, and the OG Visa can now be PC’d to Flex MC. Not all phone reps know about this rule change, so you may need to inform them.
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Seems like OG did not drop FTF, it was a mistake on the site and apps benefits page.
Citi Dividend 5% categories:
- Restaurants
- Citi Travel
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No Amazon during holiday season, wtf
Are you the only person in the world without the Amazon card? 
Yes, and proud of it.
Me neither. I could never justify blowing a hard pull on it when you can just get amazon gift cards via another credit card having 5% cashback.
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Last I knew, I cant keep a Chase card open for more than a month or two.