Earn 5x Points At Restaurants Starting Today

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Today is the start of a new quarter, which means it’s also the start of a new 5x points category with the Chase Freedom.

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 converts into 5% cashback in these categories.

The best part is that in conjunction with 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.

Earn 5x points at restaurants and wholesale clubs starting today

As a reminder, the Chase Freedom is offering 5x points at restaurants and wholesale clubs between July 1 and September 30, 2016. While registration opened two weeks ago, you can register through September 14, 2016, to earn 5x points for this quarter.

Originally the 5x points category for the third quarter was only supposed to be for restaurants, but it has been extended to wholesale clubs, probably because Costco’s switch from American Express to Citi (and by extension, Visa) was delayed significantly. That makes the Chase Freedom a nice alternative to the Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi for Costco purchases.

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.

Bottom line

I figured it was worth posting a reminder, because today is the day I move the Chase Freedom from my bigger credit card wallet (which I don’t typically have on me) to my money clip (where I keep the cards I use day-to-day), so I can start maximizing the 5x points on dining.


The Chase Freedom is a no brainer card which I’ve had for many years, and I typically max out the 5x points bonus each quarter. It nicely complements my premium Chase cards, to help me maximize my Ultimate Rewards points.

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  1. It’s pretty easy to hit $1500 in spend on the Freedom since warehouse clubs are included, I’d almost say spend your $1500 there and then use the Sapphire Preferred card for 2x on Restaurants…

  2. Yep, for any new readers, or those who’ve been sleeping for a few months, if you have opened more than 6 credit cards from any banks, (including cards you are just the authorized user on), in the past 24 months your application for a Freedom and/or a Sapphire card will absolutely be denied. If your total is 5 in 24, approval is possible but iffy. 😉

  3. Oh, forgot to mention, AFAIK, restaurant spend outside of the US does not count for a bonus. 🙁

    Sad face since we have a 3 week trip to Europe this August, and every day will mean a dinner in a restaurant that will not count for the bonus. So the Freedom stays home, and the Premier and Prestige get all of that spend. Hope someone from Chase is reading this. 😉

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