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The Chase Freedom® Card 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 the Chase Sapphire Preferred® Card, Chase Sapphire Reserve® Card, or Ink Business Preferred℠ Credit Card, points earned on this card can be converted into Ultimate Rewards points, and be transferred to the Ultimate Rewards airline and hotel partners. Since I value one Ultimate Rewards point at significantly more than one cent, that’s my preferred use of those points.
Now open: register to earn 5x points for the second quarter of 2018
Through March 31, 2018, Chase is offering 5x points for mobile payments (Chase Pay, Android Pay, Apple Pay, and Samsung Pay), gas stations, internet, cable, and phone services. However, registration for that category closed yesterday.
Chase has just opened registration for the second quarter 2018 bonus category. You can now register to earn 5x points on the first $1,500 of combined purchases for grocery stores, PayPal, and Chase Pay between April 1 and June 30, 2018 (we only learned about these bonus categories recently).
Registration is easy — just go to the registration page and enter your last name, billing zip code, and the last four digits on your card, and you’ll be registered.
Just to clarify what’s included in these categories:
- Eligible Chase Pay transactions include any payments made with your Chase Pay mobile wallet during checkout
- Eligible PayPal transactions include purchases or sending money through PayPal
- Eligible grocery store transactions don’t include purchases made at Walmart, Target, discount, or warehouse club stores, except for purchases made with these merchants using Chase Pay or PayPal
I’d say this is a pretty well rounded bonus category. We’ve seen 5x points on grocery stores several times in the past, so that’s a returning category. The interesting shift is that we’re seeing more options to earn 5x points with online payment service and mobile wallets. Earning 5x points with PayPal will certainly be a popular bonus category for many. The Chase Pay category is also potentially interesting, though the catch is that it’s not accepted that many places, so that’s not nearly as useful as last quarter, when more mobile wallet services were eligible.
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 accrues Ultimate Rewards points, you can transfer these points to Ultimate Rewards. Cards that accrue Ultimate Rewards Cards include the:
So 5% cashback converts into 5x Ultimate Rewards points per dollar with one of the above cards.
The Chase Freedom is one of the best no annual fee cards out there, and I do everything I can to max out the 5x points category every quarter. If you’ve already registered for the first quarter bonus category, you can continue to earn 5x points for mobile payments (Chase Pay, Android Pay, Apple Pay, and Samsung Pay), gas stations, internet, cable, and phone services, for the next couple of weeks.
Beyond that, you can now register to earn 5x points on grocery stores, PayPal, and Chase Pay, between April 1 and June 30, 2018.
Do you plan on maxing out the Chase Freedom second quarter 2018 bonus category?