Chase Freedom Flex — why is it only 1% back when the category = food & drink, shouldn’t it be 3%?

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What...? Dining/drugstores are 3x and any rotating categories are 5x. Everything else 1x.

If there is overlap, you actually get 7x (e.g. dining was a category in a previous quarter). If you sign up with a special bonus (e.g. groceries/gas 5x for the first year) and the category overlaps, you get 9x. Weird math on the overlap but that's what they do.

Chase can't control how a merchant is coded though. If you pay for food and the place codes as merchandise, you'll only get 1x.

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