Score Big Points: Chase Freedom Q1 2026 Categories Are Here! 💳

Chase just dropped the Q1 2026 rotating bonus categories for the Freedom (no longer available) and Freedom Flex cards, and there's some surprisingly specific earning potential this quarter.

Why These Cards Matter

Both Freedom cards charge zero annual fees and pair beautifully with premium Chase cards like the Sapphire Preferred or Sapphire Reserve. Since all your points pool together in the Chase Ultimate Rewards ecosystem, you're essentially earning 5x points that can transfer to travel partners or boost redemptions through the Chase portal.

Q1 2026 Categories (Jan 1 - Mar 31)

Here's where you'll earn 5x points:

• Norwegian Cruise Line 🚢
• American Heart Association
• Dining 🍽️

The Cruise Opportunity

Planning a Norwegian cruise in 2026? Here's a pro move: wait until January to book or pay your balance. A $3,000 cruise booking would generate 15,000 Chase points—that's serious value from a no-fee card. Even final payments on existing bookings should qualify if processed during Q1.

Dining Never Gets Old

The dining category remains one of the most practical bonus opportunities. Whether you're grabbing coffee, ordering takeout, or enjoying a nice meal out, those 5x points add up quickly over three months.

Don't Forget to Activate! ⚠️

Activate your card by March 14th to earn bonus points. The good news? Activation is retroactive to January 1st, so you won't miss out on early purchases.

New to Chase Freedom?

The Freedom Flex currently offers a $200 welcome bonus after spending $500 in the first three months. That's a solid return for everyday spending, plus you'll be ready for future rotating categories.

If you don't have a Chase Sapphire Reserve credit card yet and these credits sound interesting to you, there is an increased 125,000 point offer right now for a $6,000 minimum spend. You can read more about the benefits of the card here. If that's too steep for you, the Chase Sapphire Preferred is also offering an increased 75,000 point bonus offer for $5,000 minimum spend.

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