Earn 5x Points Starting Today With Department Stores, Wholesale Clubs, And Chase Pay

Filed Under: Chase, Credit Cards
In the interest of full disclosure, OMAAT earns a referral bonus for anyone that’s approved through some of the below links. These are the best publicly available offers (terms apply) that we have found for each card. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Please check out my advertiser policy for further details about our partners, and thanks for your support!

It’s the first day of a quarter, which means it’s potentially time to shuffle around one of the cards in your wallet.

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® CardChase 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.

Starts today: earn 5x points with department stores, wholesale clubs, and Chase Pay

Until yesterday (September 30, 2018), the card offered 5x points for gas station, Lyft, and Walgreens purchases.

Between October 1 and December 31, 2018, you can earn 5x points on the first $1,500 of combined purchases for department stores, wholesale clubs, and Chase Pay.

If you haven’t yet registered, you can do so through December 14, 2018 – just go to the registration page and enter your last name, billing zip code, and the last four digits on your card number, and you’ll be registered.

This is a bonus category that I imagine many people should have no trouble maximizing. Lots of people love the wholesale club category, the department store category is especially useful for holiday shopping, and Chase Pay is a great way to earn bonus points for purchases you’d make anyway.

How to make Chase Freedom points 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.

Bottom line

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. I easily did so in the first and second quarter (thanks to their mobile payment bonus categories), while I didn’t do so in the third quarter.

While I don’t shop at wholesale clubs, I hope that between the department store and Chase Pay categories I’ll be able to earn 7,500 points with the card this quarter.

How do you plan on maxing out the fourth quarter bonus category?

Regarding Comments: The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.
  1. Does department store count for online purchases through Macy’s.com? Ie could we stack through chase portal? Not sure what bonus there is currently through portal.

  2. I went to Potbelly Sandwich Shop today for lunch and planned to use Chase Pay. According to Chase, Potbelly accepts Chase Pay. (https://www.chase.com/digital/digital-payments/chase-pay/where-to-pay) I told Potbelly that I wanted to pay using Chase Pay, and they looked like I was speaking a foreign language. I asked for the manager, and his response was “What is Chase Pay?”

    So much for the pathetically poor implementation and distribution of Chase Pay……

  3. @ Michelle — The terms do explicitly state that wholesale club gas doesn’t qualify. How those purchases actually code, I’m not sure of…

  4. I think most of the wholesale clubs let you use a gift card at the pump. Buy it in store to get around the gas restriction.

Leave a Reply

Your email address will not be published. Required fields are marked *