Card Rec: Top Card for Q1 2024

While we tend to like giving personalized credit card recommendations, the Chase Freedom Flex is a card we can’t help but promote for most people right now. Most people meaning, anyone who buys groceries at all because of the ability to earn 9x on grocery purchases. Details below!

Card Overview

• Annual Fee: $0

• Sign-up Bonus: 20,000 points after $500 spend and 5% back on gas and grocery stores for a year (up to $12,000 spent)

• 5% back on quarterly bonus categories (up to $1,500 spent), 3% at restaurants and drugstores, and 1% on everything else

• 0% APR for 15 months

• Points can be transferred to our other Chase cards for more value

• Referral Link Here - helps me get 5,000 points per referral and support this newsletter.

The Bonus

The current quarter for the Freedom Flex is grocery stores, fitness clubs and gym memberships, and self-care and spa services. Notice a pattern? Yup, the quarterly bonus of groceries is the same as the sign-up bonus. To get into the technicalities they’re both 4% bonus added to the base 1%. Therefore, any grocery purchase this quarter becomes 9% back up to $1,500 of the quarterly bonus cap. You will still get 5% back on gas and groceries for the rest of the year.

By maxing out your grocery spend this quarter, you can get 13,500 points, which is equal to one-night at a category 4 Hyatt hotel or almost 4 nights at a Hyatt Place.

Even if you don’t spend $500/month at grocery stores, you can still maximize this benefit by buying Amazon and other retailer gift cards to places you do spend. You’re essentially then getting 9% back on those future purchases.

FAQs

What if I already have the Freedom Flex?
If you’ve had it for more than a year, you can product change it to a Freedom with Ultimate Rewards card before applying to the Flex. This way you can max out the quarterly bonus on TWO cards. If you haven’t had it for over a year, then likely you haven’t used up your initial sign-up bonus and will also be getting 9%. Otherwise, sorry, you’re out of luck, but Wuhoo Group can recommend other cards that can give you large bonuses on grocery spend.

What are the other quarterly categories?
Usually quarters will include the following: Amazon, Paypal, gas, home improvement stores, and others.

What are some other benefits of the card?
The Flex also provides a $10/quarter credit to Instacart that you’ll need to activate. Also, as a Mastercard, it provides some benefits from the issuer like insurance.

What do I do with all these points?
Great question, that’s what Wuhoo Group is here to help with. Check out how we used points to fly business class for free and stay at over 30 nights of hotels for free.

What’s In our Wallets (Newsletter Exclusive)

Our lineup for this week is below. See our rationale here just for newsletter subscribers like you.

Matthew: CitiBusiness AAdvantage Platinum Select | Chase Ink Business Unlimited (Matthew’s) | American Express Gold | Capital One Venture X

Sarah: Chase Ink Business Unlimited (Sarah’s) | American Express Gold | Capital One Venture X

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About WuhooPoints

WuhooPoints focuses on the credit card consultation side of Wuhoo Group. Here we help with both the accrual of points and perks and the use of points for free travel.

About Wuhoo Group

Wuhoo Group was founded in 2022 to accent people’s lives with bespoke events and free luxury travel. We are based out of Northern Virginia and are always down to help brainstorm and develop fun ideas into plans.