Register Now: Chase Freedom Q2 2019 5x Points Categories

Filed Under: Chase, Credit Cards
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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® 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.

Register now: Chase Freedom 5x points for Q2 2019

Registration has just opened for Chase’s second quarter 2019 bonus categories.

As a reminder, the Chase Freedom® Card will offer 5x points at grocery and home improvement stores between April 1 and June 30, 2019See here for a list of participating merchants in each category.

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.

As a reminder once again, while you can register now, you don’t start earning 5x points for another couple of weeks.

My take on the new bonus categories

I’d say grocery and home improvement stores are pretty well rounded bonus categories:

  • There otherwise aren’t really any major credit cards offering bonus points for home improvement store purchases, so I’m happy to see that
  • The 5x points at grocery stores will be useful for many, though with other cards regularly offering up to 4.5x points at grocery stories, the incremental benefit is fairly limited

Reminder: keep earning 5x points in the Q1 categories

Assuming you’ve already registered, through March 31, 2019, you can continue to earn 5x points on the first $1,500 of combined purchases at gas stations, drugstores, and tolls.

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. You can now register to earn 5x points for the second quarter at grocery and home improvement stores.

In the meantime, assuming you’ve already registered, you can continue to earn 5x points for the remainder of the first quarter at gas stations, drugstores, and tolls.

What do you make of the Chase Freedom Q2 2019 bonus categories?

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  1. I have a silly question. Why does Chase (and others) make their customers register for the rotating categories?

    Can Chase not push out the change to customers and announce the new categories through it communication channels (e.g., email, billing statements, apps, website)?

  2. “Why does Chase (and others) make their customers register for the rotating categories?”

    Because they hope that people fail to do so. No sense paying 5% if you don’t have to.

  3. “There otherwise aren’t really any major credit cards offering bonus points for home improvement store purchases” you can buy lowes or HD gift cards basically anywhere, office stores, GGD …

  4. @Jeff Registration actively engages the card user. You’re more likely to remember to use your Freedom card if you’ve gone to the trouble to register. Most users aren’t as point-focused as we are.

    And of course, Chase hopes you’ll get in the habit of using their card instead of the one you’ve been using.

  5. Lowe’s and Home Depot sell a wide variety of gift cards, as of course do most grocery stores.

  6. Chris,
    Amex Gold dropped the 4x for grocery stores. Received the notice in the mail last week.

  7. Frank,

    I have trouble believing what you’re saying is accurate. The Amex Gold just revamped its card to include the 4x grocery store benefit, and it’s still listed as a bonus category when you look up applications for the card online.

    A grocery store purchase I made 4 days ago got the 4x points, incidentally.

  8. Supermarkets time is my favorite category — I don’t spend enough on gas stations or drugstores to hit the $1500 max, restaurants I feel like it’s only a marginal increase over CSR. Although I have Hilton Ascend with 6 HH points or ~ 3% back, nothing beats the CF + CSR combination for 7.5% back within CF category spending. Love Chase!!

  9. Chris,
    I forget the date the new categories start. But I only got the update change of conditions letter last week. Threw it out and plan to drop the card because without 4x groceries becomes way overpriced compared to Chase Sapphire

  10. I was hoping grocery stores would be coming back soon. That’s the easiest category for me to max out.

  11. Curious… are meal kit companies (Home Chef, Blue Apron, Gobble, etc.) coded as ‘grocery’?

    So many stackable deals on those recently and many are quite good.

  12. Frank, Im not sure what youre reading or from where, but the Amex Gold is 4x on groceries and that is its major selling point. I could be wrong, but since it JUST came out in October, and the Rose Gold version just ended as a promotion, Im fairly sure they aren’t discontinuing bennies in teh middle of their marketing plan. You may want to check again. I just did even though I have owned my Rose Gold since Oct. Just doublecheck what you are saying. Im fairly certain you made a mistake.

  13. Sidenote: Walmart Supercenters dont code as groceries at all but Walmart Neighborhood markets do. I use my local one for groceries with my Amex Gold. For this qtr, Ill use my CF for the 5x at the same spot. Nice win there.

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