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Strategy

# Chase Freedom Flex Q1 2026: 7% on Dining

January 1, 2026

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Chase Freedom Flex offers 7% cashback on dining for Q1 2026 (up to $1,500 in purchases).

## The Details

-   **Bonus**: 5% (5x points) on dining
-   **Base**: 1% on all purchases
-   **With Freedom activation**: 5% becomes effective
-   **With Sapphire multiplier**: Can reach 7%+ effective value

## Is It Worth It?

If you already have the Chase Freedom Flex, absolutely activate this bonus. $1,500 in dining = $75-105 in rewards.

However, if you don't have the card, this quarterly bonus alone probably isn't worth applying for. The signup bonus and overall card value should drive that decision.

## How to Maximize

1.  Activate the bonus in the Chase app
2.  Use for all dining January-March
3.  Track your spending (cap is $1,500)
4.  Consider gift card purchases at restaurants

## Alternatives

If you're hitting the cap early, switch to: - Citi Custom Cash (5% on dining) - US Bank Altitude Go (4% on dining) - Capital One Savor (4% on dining)