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Best gift card stacks for the Chase Freedom Flex
5% rotating categories (Oct-Dec 2026: grocery stores, dining), 1% elsewhere. Earns Ultimate Rewards points.
34.6% best live stack: Lucy's Burgers at Sam's Club
What this card earns at each retailer
| Retailer | Card earn | Notes |
|---|---|---|
| Costco | 1% 1% (all other purchases) | |
| Sam's Club | 1% 1% (all other purchases) | acceptance not verified |
| BJ's | 1% 1% (all other purchases) | acceptance not verified |
- The Oct-Dec 2026 5% category is grocery stores (excluding Walmart and Target). We have not confirmed that warehouse clubs count, so we use 1%.
Top live stacks with this card
| Net | Gift card | The math | Found |
|---|---|---|---|
| 34.6% | Lucy's Burgers $19.91 for $30 at Sam's Club | 33.6% off + no portal + 1% card (1% (all other purchases)) = 34.6% | samsclub.com, verified Oct 23, 2026 |
| 31.7% | Cold Stone Creamery $20.79 for $30 at Sam's Club | 30.7% off + no portal + 1% card (1% (all other purchases)) = 31.7% | samsclub.com, verified Oct 23, 2026 |
| 31.7% | Cold Stone Creamery $20.79 for $30 at Sam's Club | 30.7% off + no portal + 1% card (1% (all other purchases)) = 31.7% | samsclub.com, verified Oct 23, 2026 |
| 31.2% | Celtic Cowboy $34.91 for $50 at Sam's Club | 30.2% off + no portal + 1% card (1% (all other purchases)) = 31.2% | samsclub.com, verified Oct 23, 2026 |
| 31.2% | China Café $34.91 for $50 at Sam's Club | 30.2% off + no portal + 1% card (1% (all other purchases)) = 31.2% | samsclub.com, verified Oct 23, 2026 |
| 31.2% | Headshots Bar and Grill $34.91 for $50 at Sam's Club | 30.2% off + no portal + 1% card (1% (all other purchases)) = 31.2% | samsclub.com, verified Oct 23, 2026 |
| 31.2% | Ji-Roz $34.91 for $50 at Sam's Club | 30.2% off + no portal + 1% card (1% (all other purchases)) = 31.2% | samsclub.com, verified Oct 22, 2026 |
| 31.2% | Nalley Fresh $34.91 for $50 at Sam's Club | 30.2% off + no portal + 1% card (1% (all other purchases)) = 31.2% | samsclub.com, verified Oct 23, 2026 |
| 31.2% | Sushifork $34.91 for $50 at Sam's Club | 30.2% off + no portal + 1% card (1% (all other purchases)) = 31.2% | samsclub.com, verified Oct 23, 2026 |
| 31.2% | Up Roll Café $34.91 for $50 at Sam's Club | 30.2% off + no portal + 1% card (1% (all other purchases)) = 31.2% | samsclub.com, verified Oct 23, 2026 |
| 31.1% | Bahama Bucks $17.48 for $25 at Sam's Club | 30.1% off + no portal + 1% card (1% (all other purchases)) = 31.1% | samsclub.com, verified Oct 23, 2026 |
| 31.1% | Bahama Buck's $20.98 for $30 at Sam's Club | 30.1% off + no portal + 1% card (1% (all other purchases)) = 31.1% | samsclub.com, verified Oct 23, 2026 |
| 31.0% | Bahama Buck's $34.99 for $50 at Costco | 30.0% off + no portal + 1% card (1% (all other purchases)) = 31.0% | costco.com, verified Oct 23, 2026 |
| 31.0% | California Pizza Kitchen $69.99 for $100 at Costco | 30.0% off + no portal + 1% card (1% (all other purchases)) = 31.0% | costco.com, verified Oct 23, 2026; ends Nov 1, 2026 |
| 26.8% | Potbelly $37.12 for $50 at Sam's Club | 25.8% off + no portal + 1% card (1% (all other purchases)) = 26.8% | samsclub.com, verified Oct 23, 2026 |
| 26.3% | Alamo Drafthouse $18.68 for $25 at Sam's Club | 25.3% off + no portal + 1% card (1% (all other purchases)) = 26.3% | samsclub.com, verified Oct 23, 2026 |
| 26.1% | Krispy Kreme $22.48 for $30 at Sam's Club | 25.1% off + no portal + 1% card (1% (all other purchases)) = 26.1% | samsclub.com, verified Oct 22, 2026 |
| 26.0% | Krispy Kreme $44.99 for $60 at Costco | 25.0% off + no portal + 1% card (1% (all other purchases)) = 26.0% | costco.com, verified Oct 23, 2026 |
| 26.0% | inKind $74.98 for $100 at Sam's Club | 25.0% off + no portal + 1% card (1% (all other purchases)) = 26.0% | samsclub.com, verified Oct 23, 2026 |
| 26.0% | Crew Carwash $74.98 for $100 at Sam's Club | 25.0% off + no portal + 1% card (1% (all other purchases)) = 26.0% | samsclub.com, verified Oct 23, 2026 |
Card points valued at 1¢ each. No portal cashback appears in today's data for these deals. Check the retailer's terms and your card's network before buying.
Sources
- creditcards.chase.com, checked Oct 21, 2026: "OCT-DEC 2026 ... Grocery Stores (excluding Walmart and Target) ... 1% on all other purchases"
- creditcards.chase.com, checked Oct 21, 2026: "World Elite Mastercard are trademarks"
Card image: issuer card art from creditcards.chase.com.
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