How You Can Earn 5x Points on Groceries and Dining

Chase Just Announced Q4 2026 Bonus Categories — Here's How to Cash In 🎉

Chase has officially unveiled the Freedom and Freedom Flex bonus categories for Q4 2026, and this lineup is a nice one for anyone heading into the holiday season. From October 1 through December 31, 2026, you can earn 5% cash back on:

• Grocery stores (excluding Target and Walmart)
• Dining
• Donations to the American Red Cross

As always, the 5% bonus applies to up to $1,500 in combined purchases across these categories — after that, you'll earn the standard 1% back.

Don't forget to activate! This bonus isn't automatic — head to ChaseBonus.com to turn it on. ⏰ One thing worth flagging for readers: activation has to happen by December 14, 2026, even though the earning window runs through December 31. So don't wait until the last week of the year to flip the switch.

With holiday hosting, grocery runs, and dinners out already on the calendar, this quarter's categories line up nicely with real spending — no need to go out of your way to hit the cap. 🛒🍽️

New to the Freedom Flex? It's one of the best no-annual-fee cards out there for everyday spending. Right now, new cardmembers can earn a $200 cash back bonus (or 20,000 points) after spending $500 in the first 3 months.

Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process. Right now, you can use the promo code "LETSGO" to get $50 off the program. 

Or you can pay a travel planning fee and we will find all the best points and miles deals for your trip! 

Or you can book a consulting call with us for just $100. I would love to help you make priceless family memories affordable. 

***In honor of every new paid client, we will make a donation of 10% to one of our favorite charities.