This is a particularly lucrative quarter for the CFF. Two of the three 5% categories - hotels and restaurants - happen to duplicate two of the CFFs permanent multiplier categories.

To get the Q2 elevated 9% multiplier on hotels [normal 5% + stackable 4% for CFF quarterly categories] you have to book and pay through the Chase portal. So even though you will get charged a 3% FOREX fee, you're still getting a net 6%.

For restaurants, you get the CFF permanent 3% multiplier stacked with the quarterly 4% bonus, for a total of 7%. So with a 3% FOREX fee on restaurants, you're still netting 4%.