If you plan your spending so that grocery stores are your top category from the eligible list through December, you could end up earning a total of 9% cash back (9x points) by stacking the two promotions. In addition to earning a welcome bonus of $200 after spending $500 on purchases in the first three months from account opening, plus, 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year, new cardholders can earn 5% cash back (5x points) at grocery stores (excluding Target and Walmart) on up to $12,000 in spending during the first year of account opening (then 1x). There's another lucrative stacking opportunity here if you've recently opened (or plan to open) the Chase Freedom Flex℠. Note that Chase will not allow you to stack the current rotating PayPal and Walmart categories to earn 9% back - you'll still only earn 5% even if you use your card with PayPal for a Walmart purchase. That's an excellent rate of return for a purchase you're making anyway. Read more: Chase Freedom Flex credit card reviewįor example, if you use your Chase Freedom Flex℠ to purchase $1,500 at home improvement stores using PayPal, you'd earn a total of 13,500 Ultimate Rewards points (worth $135 in cash back, gift cards, or travel booked through Chase). Chase will allow cardholders to stack these offers and earn 9% back on these purchases (4% from the PayPal rotating category bonus, 4% from the top-spend category bonus, and 1% that you'd normally earn with the card). For instance, you can combine the rotating PayPal bonus category with your top eligible category from the list. It's even more lucrative if you choose categories where you can stack your earnings. The $1,500 cap for this promotion is separate from that of the rotating bonus categories, so if you maximize both, you should be able to earn 5x points (or more) on up to $3,000 in total spending through the end of the year.
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