Happy October! It’s not just time to take those Uggs out of your closet so you can walk to Starbucks for a pumpkin spice latter, but it’s also time to put the Chase Freedom back in your wallet and use it for spending once again.
Why I Love The Chase Freedom Card
The Chase Freedom® Card (review) 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 spending 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 (review), Chase Sapphire Reserve® Card (review), or Ink Business Preferred℠ Credit Card (review), 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.
Live: Chase Freedom Q4 2019 Bonus Categories
On September 15, 2019, Chase opened registration for the fourth quarter 2019 bonus category. The Chase Freedom® Card Is offering 5x points on the first $1,500 spent on Chase Pay, PayPal, and department stores, between October 1 and December 31, 2019.
Since it’s October 1, this is a reminder of that, so you can start using your card for the right purchases.
How To Register Your Chase Freedom Card
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.
What Qualifies As A Department Store
While the PayPal and Chase Pay category is straightforward, perhaps there’s more confusion about what qualifies as a department store.
See here for a list of which merchants qualify as department stores, and which don’t. I’d note that the department stores category roughly includes what you’d expect, though doesn’t include Walmart, Target, Kmart, discount stores like TJ Maxx, electronic stores, general merchandise and variety stores, and gift cards purchased at any locations other than department stores on the inclusion list.
My Take On Chase Freedom Q4 2019 Bonuses
Personally I’m a big fan of the Q4 2019 bonus categories:
- There are quite a few popular merchants that accept Chase Pay
- You can send a payment through PayPal by credit card for 2.9%, which is well worth it for the 5x points
- Personally I almost never shop at department stores, but if you do, that can be useful for holiday shopping
I should have no trouble maxing out the fourth quarter bonus categories.
How To Make Chase Freedom Point Even More Valuable
Just to recap, you earn points on the Chase Freedom® Card, 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.
Chase Freedom Bonus Summary
The Chase Freedom® Card 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.
Personally I think the Q4 2019 bonus categories are excellent, and easy enough to maximize thanks to Chase Pay and PayPal.
So if you’ve sock-drawered your Freedom Card, it’s time to put it back in your wallet and use it for spending.
What do you make of the fourth quarter 2019 Chase Freedom bonus categories?