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The Chase Freedom is one of my favorite no annual fee credit cards, as it offers 5x points in rotating quarterly categories, for up to $1,500 of spend per quarter. Most people use this as a cashback card, meaning the 5x points really translates into 5% cashback in these categories.
The best part is that in conjunction with cards like the Chase Sapphire Preferred® Card or Ink Plus® Business Credit Card, points earned on this card can be converted into “premium” Ultimate Rewards points, and be transferred to the Ultimate Rewards airline and hotel partners. Since I value one Ultimate Reward point at significantly more than one cent, that’s my preferred use of points.
Last chance: register to earn 5x points at restaurants
As you can see above, for the third quarter (July 1 through September 30) you can earn 5x points at restaurants and wholesale clubs. While you can continue to earn bonus points for these categories through September 30, 2016, today, September 14, 2016, is the last day to register for 5x points in the third quarter.
Starting tomorrow it should be possible to register to earn 5x points in the fourth quarter for “holiday shopping,” though interestingly as of now Chase hasn’t said what exactly that category includes. In past years it has included Amazon, though we’ll see what this year brings.
To register you’ll have to enter your last name, the last four digits on your card, and the zip code. Once you’ve registered, you’ll be brought to a page confirming your registration.
How to make Chase Freedom points even more valuable
Just to recap, you earn points on the Chase Freedom, and each point can be redeemed for one cent cashback.
However, if you have this card in addition to one of the cards that accrue “premium” Ultimate Rewards points, you can transfer these points to Ultimate Rewards. Cards that accrue “premium” Ultimate Rewards Cards include the:
So 5% cashback converts into 5x Ultimate Rewards points per dollar with one of the above cards.
This is your last chance to register for 5x points at restaurants and wholesale clubs. If you’re registered, you can continue to earn those bonus points for purchases through the end of the month (within the $1,500 limit, of course). Then starting tomorrow it will be possible to register to earn 5x points on holiday shopping, for purchases October 1 through December 31, 2016.
I’ve already maxed out the 5x points category for this quarter, so am excited for it to reset next quarter.
Have you maxed out the 5x points category on the Chase Freedom for the third quarter?
Non-Affiliate Product Disclaimer: The information for the Chase Sapphire Reserve have been collected independently by One Mile At A Time. The card details on this page have not been reviewed or provided by the card issuer.