Chase Freedom Unlimited and Freedom Flex 5% cash-back grocery benefit ends tomorrow

The offer mentioned below is no longer available.

If you spend significantly on groceries, you may want to consider applying for the Chase Freedom Flex℠ or the Chase Freedom Unlimited® soon. Both cards currently have a welcome offer that includes 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. That's among the best return you can get from a credit card for spending on groceries.

The promotion will be ending by the end of the day on Jan. 12. So if you're interested, you will need to act quickly to grab this valuable offer.

Here's what you need to know if you plan on applying for either card in the next 24 hours.

The sign-up bonus for both cards currently offers:

• $200 cash back after you spend $500 on purchases in the first 3 months from account opening.
• 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year

This means that if you were to maximize the grocery benefit, you could earn a maximum of $600 cash back over the course of the year. Additionally, each card also comes with a $200 bonus after you spend $500 in the first three months of card membership. This doesn't even account for each card's respective bonus spending categories, giving cardholders an opportunity to earn serious cash back on a wide variety of their purchases. At a minimum, you could come away with $800 in cash back in the first year if you maximize the welcome bonus.

And what's more is that neither card has an annual fee, making it easier to extract value immediately from the card.

Lastly, if you're looking for spending or borrowing flexibility, both cards come with a 0% intro APR offer on purchases and balance transfers for the first 15 months from account opening. After the intro period, a variable APR of 14.99%–24.74% applies. So if you're eyeing a home renovation project or need to transfer a balance from your holiday spending, either of these cards can help you avoid credit card interest.

The Chase Freedom Flex℠ and the Chase Freedom Unlimited® are both solid no annual fee cash-back credit cards as they offer broad spending categories and a great welcome offer.

However, if you want to lock in 5% cash back on groceries for the first year, be sure to apply quickly as the offer will be taken down before the end of day tomorrow, Jan. 12.

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Information about the Chase Freedom Flex℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.