Chase Freedom’s Increased 4th Quarter Amazon Bonus

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As I’ve explained many times before, one of the most compelling no annual fee credit cards is the Chase Freedom, which offers 5% cash back on up to $1,500 of spend in rotating quarterly categories.

This quarter the card is offering 5% cash back at,,, and I’d say this is the best bonus category of the year, given how many people shop on Amazon on a day-to-day basis.


Chase has been pretty consistent with offering these 5% cash back categories, though this quarter they’re doing something especially rewarding.

Between November 23 and December 31, 2015, the Chase Freedom will be offering 10% cash back at the fourth quarter bonus retailers, including Amazon.


Perhaps the best part is that the quarterly bonus maximum dollar amount for earning will reset on November 23, 2015.

That’s to say that if you spend $1,500 at the bonus retailers between October 1 and November 22, 2015, you’d earn 7,500 points, and then if you spend another $1,500 at the bonus retailers between November 23 and December 31, 2015, you’d earn 15,000 additional points, for a potential of up to 22,500 points after spending $3,000 in the quarter. That’s a huge return on spend.

Just make sure you activate the Chase Freedom fourth quarter bonus by December 14, 2015, so you’re eligible for the entire quarter’s bonuses. No additional registration is required if you’ve already registered for this quarter.

Here are the full terms of the extended promotion:

During the promotional period of November 23 until December 31, 2015, earn an extra 5% cash back (for a total of 10%) on up to $1,500 in new combined purchases at,, and To earn this extra 5%, your current quarterly bonus maximum dollar amount for earning will reset on November 23, 2015 so you can earn a total of 10% on up to $1,500 on new combined purchases in the listed bonus categories. If you’ve already activated for this quarter, no additional activation is required. Otherwise, activate by December 14, 2015. As long as you’ve activated by December 14, 2015, qualifying bonus category purchases on up to $1,500 from October 1 – November 22, 2015 will earn 5%, and qualifying bonus category purchases on up to $1,500 from November 23 until December 31, 2015 will earn 10%. See FAQs for more information. The extra 5% will appear in the Rewards Summary section of your billing statement as “4Q Extra 5%” and may take up to 1-2 billing cycles to be awarded and reflected on your statement.

Bottom line

The Chase Freedom is already one of the most lucrative no annual fee credit cards out there, and earns me thousands of bonus points every year. Up until now the card has been pretty consistent in terms of the quarterly promotions, though they’re being especially generous this quarter.

It might make sense to spread out and maximize your Amazon spend this quarter to be sure you’re earning as many points as possible. I plan on purchasing Amazon gift cards to make it easier to keep track. 22,500 points for $3,000 of spend at Amazon is a pretty incredible deal.

Will you be able to maximize the Chase Freedom promotion this quarter?

(Tip of the hat to Steve)

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  1. your link is an expired link.

    Is this the card that’s comparable to the Chase Ink card that gets you 5x points on office supplies, etc? I want to chancel my Ink Plus card and get the no annual fee version of it.

  2. Any easy way to do this with minimal loss? I don’t spend nearly enough on Amazon to justify 3000 in gift cards but if I can turn around and sell the GCs I’d be a happoy camper for the points.

  3. This is pretty sweet, especially for those of us with the CSP (99% of your readers I’m sure). Matt D, you can buy gift cards for pretty much anything/any company. There must be some place you visit pretty often. Fuel cards come to mind and you would be capped at $1500 in spend. That $3000 may be a typo from Lucky…or I am missing something.

  4. I love this. Great way to stock up on more Hyatt points. For new applications, this is like 30,000 ultimate rewards points after $1500 spend by the end of the year. This is my third year of buying gift cards that I use over the rest of the year.

  5. @ Ben — Thanks for the post. I was researching the nitty gritty on this early this morning, and did not find a definitive answer to the following — Does buying Hyatt gift cards, which per the website “Ships from and sold by ACI Gift Cards Inc., an Amazon company,” count towards the bonus? Valuing UR points at 1.7 cpp, that would be a nice 17% discount on Hyatt gift cards during the second part of the Q4 promotion. I know there are similar or even better % discounts available from other third party sellers, but I believe the risk of fraud is much greater via many of those websites.

  6. “Spend more to save more. Credit card companies are winning the psychological warfare.”

    Actually I disagree. Where today can you get an 11.1% return on your money? Not in your bank account and not in the equity markets. Amazon sells a ton of gift cards. I plan to max out with buying grocery cards. The economics of this only *might* work for Amazon in the long run – certainly not Chase.

    ** it’s actually even more than 11.1% given that you will not wait a year to spend the money

  7. @ Gene. I split into two transactions: 1) buy the amazon gift card first; then 2) buy the hyatt gift card using the amazon credit after you apply the Amazon gift card That way, you are sure that you are getting the bonus.

  8. Anyone know if you can prepay for the Amazon Prime membership renewal fee? Mine won’t expire until next year…

  9. I’m confused why it makes sense to spend $1500 prior to Nov 23rd to max out 5x points when you can get 5x points year round buying Amazon gift cards at office supply stores with Ink Cash/Plus…Sure it’s more convenient to just make purchases directly on Amazon than have to go out and get gift cards..but $1500 is a lot of upfront spend to try and max this out for no real reason.

  10. Does this work at supermarkets as well, i.e. in a quarter where supermarket/grocery store is the category, can I just buy 3 x $500 amex/visa gift cards, and score the full bonus?

    Asking here because you mention this strategy for Amazon. I didn’t know if Chase somehow screens out these purchases.

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