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9% cash back stack on gas and groceries is alive and well in-branch with Chase Freedom Flex℠ welcome offer!

Update May 6, 2024: In late April, we confirmed that the 5% gas and grocery offer is alive an well, but available just as an in-branch offer. If you can make it into a Chase branch, you can get 9% cash back on your gas and grocery purchases with a new Chase Freedom Flex℠. Learn more in our coverage of the Chase Freedom Flex welcome offers.

Chase periodically runs a 5% cash back on gas and groceries welcome offer on the Chase Freedom Cards. On the Chase Freedom Flex, this offer means it’s possible to get 9% cash back on your groceries. Here’s how.

How the 9% cash back stack on groceries works

The Chase Freedom Flex card offers 5% cash back rewards on up to $1,500 in purchases per quarter in spending categories that change quarterly. These categories frequently include groceries and gas.

Normally, the new cardmember welcome offer on this card offers a $200 bonus after spending $500. The last few years, Chase has offered new Chase Freedom Flex℠ cardmembers 5% back on the first $12,000 in grocery store purchases, gas purchases, or both. Often in addition to the standard welcome bonus. This welcome bonus stacked with the category bonuses, meaning that when grocery stores or gas stations is a quarterly category, anyone who got a new Chase Freedom Flex card with the 5% gas and grocery offer within the pervious year could earn 9% total cash back on groceries or gas!

Chase Freedom Flex℠ welcome bonus:

Before you apply through the link below, be sure to see our coverage of the best welcome bonus on this card. There may be a better offer in-branch.

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

Click here to learn more and apply for the Chase Freedom Flex℠.

Our take on the welcome bonus: $200 after $500 is the standard welcome bonus on this card.

The link above is a referral link. Someone on our team may earn points if you apply and are approved to the link above. We always show you the best offer, and this is the best offer we know about on this card.

Chase Freedom Flex card art

Chase Freedom Flex℠ at a glance:
Annual fee: $0
Rewards: 5% in rotating categories (up to $1,500 in combined purchases per quarter). 5% travel through Chase. 3% dining. 3% drugstores. 1% other purchases.
Benefits: Extended warranty. Purchase protection. Cell phone protection.

A bit more on the math behind the 9% rewards

Here’s how this bonus stack works:

The 9% cash back stack is in Chase’s offer details

In addition to having worked in practice last year, the 9% cash back stack was in the terms and conditions of the Chase Freedom Flex℠ bonus offer. Here is the exact wording from the terms and conditions of the bonus offer:

Chase terms and conditions of 5% cash back bonus at gas stations and grocery stores
Terms and conditions of 5% cash back bonus at gas stations and grocery stores

“Please note, if gas stations or grocery stores is a quarterly bonus category during your first 12 months, you can earn both this 5% new cardmember bonus and the 5% quarterly bonus offers simultaneously until you reach the spend cap for each.”

Offer Details of the Chase Freedom Flex℠

So, getting 9% cash back isn’t just my speculation; it’s in the terms and conditions.

This offer comes and goes. But as of publication, it’s back on—as an in-branch offer.

Chase pulled the 5% gas and grocery offer from its referral channels around March 14, 2024, but the bonus has lived on mostly as an in-branch exclusive bonus. Check our coverage of the Chase Freedom Flex welcome bonuses for details on what might be available.

Frequently asked questions

How could I earn 9% on groceries with the Chase Freedom Flex℠?

You could earn 9% cash back on groceries with the Chase Freedom Flex by stacking the card’s quarterly bonus categories with a welcome bonus. (This particular welcome bonus is no longer available.) The Chase Freedom Flex℠ 5% gas and grocery welcome bonus gave new cardmembers 4% bonus rewards on up to $12,000 of gas and grocery purchases in your first year. The Chase quarterly category bonuses give you 4% bonus rewards on up to $1,500 of purchases in select categories. Add these two bonuses to the 1% rewards you get everywhere and you could get 9% cash back.

About the author

  • Aaron Hurd

    Aaron Hurd is a credit card, travel rewards, and loyalty program expert. Over the past 15 years, he has authored over a thousand expert contributions published by leading outlets including WSJ, TIME, Newsweek, Forbes, NerdWallet, The Points Guy, Bankrate, CNET, and many others. He has also served in consulting roles for many of these same outlets, designing content strategy, hiring teams of teams of editors and contributors, developing thought-leadership pieces, and ghost-editing for senior editors. Aaron is well-known in the miles and points community and regularly presents about travel rewards at conferences like the Chicago Seminars and Minnebar. Aaron has enjoyed the game of optimizing credit card rewards since getting his first credit card shortly after he turned 18. He started learning about credit cards and travel rewards from the (now defunct) FatWallet Finance forums and FlyerTalk. He holds more than 40 open credit cards and has first-hand experience with almost every major credit card product.

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