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2019 CHASE FREEDOM CATEGORIES HOW TO
2019 CHASE FREEDOM CATEGORIES FULL

In addition, you can earn extra cash rewards by shopping online through Ultimate Rewards Mall, Chase's online shopping portal. If Chase is a bank you frequent already, then activating in person at a Chase ATM machine might be more convenient for you. Activating online is probably the easiest way to go as you can do it while checking out your account statement. You can activate online, by text message, via email, by mobile app, by calling customer service, or in person at a Chase bank. Remember, you have to activate the 5% cash back categories every quarter. Q1 (January - March 2020): Gas Stations, Select Streaming Services, and Internet, Cable & Phone ServicesĬategories and merchants are announced before the start of each quarter.It's a good idea to check out the type of rewards categories Chase Freedom offers first and see if they fit with your lifestyle and normal spending patterns before seriously considering this card. Keep in mind, if you spend over the $1,500 quarterly limit in the bonus categories, you go back to the regular 1% cash back rate until the new categories rotate in after the three months are over. The opportunity for up to 5% back is HUGE in the credit card world (most cards only offer 1% or maybe 2%). In our opinion, you get the best value from this card if you pay close attention to the spending categories each quarter and are diligent about charging any purchases under those categories to this card. These bonus categories that offer 5% cash back change each quarter - every three months - and requires activation each quarter in order to take advantage of the 5% categories. Chase Freedom offers a standard 1% cash back on all other purchases, but you earn 5% cash back on up to $1,500 in combined purchases (for up to $75 cash back) in bonus categories each quarter. One of the top features of the Chase Freedom card is the quarterly rotating 5% cashback rewards categories.

2019 CHASE FREEDOM CATEGORIES HOW TO

We will explain how to pool points later in this review. This will allow you to maximize your points, which can then be transferred to Chase airline and hotel partners. If you have the Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred, you can pool your points onto the premium card account.

If you have a premium Chase Ultimate Reward card.

If you're planning on making large purchases.

Freedom Unlimited gives you a flat 1.5% cash back on all purchases. We'll cover the category calendar later in this review.Ĭounterpoint: If you are not organized, cannot keep track of changing categories, or your spending is varied (e.g., you spread it between gas, groceries, shopping, dining out), then consider Chase Freedom Unlimited instead. This card gives 5% cash back in categories that change every 3 months (on up to $1,500 in combined purchases in the bonus categories each quarter).

If you want to maximize cash back without paying an annual fee.

Learn how this card works and how to use it to your advantage. With no annual fee, it is possibly the best cash back credit card.īut that's only true if it's used correctly. In addition to its rotating 5% cash back categories, Chase Freedom offers an introductory APR on purchases and balance transfers for 15 months and the opportunity to earn a $150 bonus for new customers.

2019 CHASE FREEDOM CATEGORIES FULL

Excellent cash back credit card for cardholders who pay in full