Chase Freedom is a great cash back credit card that allows you to earn up to 5% cash back on rotating categories each quarter. The Chase Freedom 2019 Categories for the third quarter are now active, so you can begin earning cashback on your expenditures.
And they just announced the Chase Freedom fourth quarter categories, which include department stores, Chase Pay and PayPal — all handy for holiday shopping!
I like Chase Freedom, because it makes it easy to score savings on things that may not ordinarily lend themselves to coupons, like PayPal for example.
Another perk of Chase Freedom is that you can also opt to earn Chase points — if you hold Chase Sapphire Preferred (read my full review of this card) or Chase Sapphire Reserve (read my full review of this card) — instead of cashback, which can be used for free travel.
Who doesn’t want cash back or free travel?!
Chase Freedom Categories 2019: Quarter 3, July-September (Active!)
Chase Freedom’s third quarter categories for July through September are now active.
These categories include:
- Gas stations
- Select streaming services – Netflix, Hulu, Sling, Vudu, Fubo, Apple Music, Sirius XM, Pandora and Spotify
Chase lists these as sample gas station merchants: 7 Eleven, Amoco, BP, Circle K, Clark, G-Mart, Hess, Quick Stop, Marathon, Raceway, Shell, Speedway, Thornton. See the full list.
Exclusions for gas stations include: Truck stops, warehouse stores, marina stores, grocery stores, convenience stores where gas is not sold.
Chase Freedom Categories 2019: Quarter 4 Available to Activate
Chase Freedom recently announced its fourth quarter categories, which will be available October through December. To take advantage, you first need to “activate” the categories, which you can do at Chase.com/Freedom.
These categories include:
- Department stores – This includes Bloomingdales, Dillards, JC Penney, Kohls, Macy’s, Neiman Marcus, Nordstrom, Saks Fifth Avenue, Sears, Stein Mart, Vonmaur and others. See the complete list. Note: Walmart, Target, Kmart and TJ Maxx are EXCLUDED from the list.
- Chase Pay – Any payments made with Chase Freedom through Chase Pay, a payment method that allows you to link a Chase card and use that at any merchants that accept Chase Pay
- PayPal – Any payments made with Chase Freedom through PayPal
These are all great options for holiday shopping, as I’m sure many of us — either online or in store — will be shopping at department stores. Plus, I definitely use PayPal to pay for things online frequently for convenience. How about you?
How Chase Freedom Works
When you pay with your Chase Freedom card, you earn 5% cashback on up to $1,500 spent total for the quarter. That nets you $75 in savings.
Chase Freedom currently offers $150 bonus after spending $500 within the first three months of account opening.
In addition to the 5% cash back on rotating categories, you also earn 1% cash back on all other purchases.
Your cash back rewards NEVER EXPIRE.
There is NO annual fee.
Converting Cash Back to “Points” for Free Travel
Chase Freedom actually earns you “points” with 100 points=$1. So, instead of getting the cash back, if you hold either Chase Sapphire Preferred (my FAVORITE travel credit card; read my full review of this card) or Chase Sapphire Reserve (read my full review of this card), you can transfer your points to your Sapphire card in Chase Ultimate Rewards.
So your $500 cashback could actually be converted to 50,000 Chase Ultimate Rewards points.
When transferred to Southwest, 50,000 points can go A LONG WAY when you combine it with the Southwest Companion Pass (which lets one person fly free with you, effectively DOUBLING the value of every point; download my free guide on how to earn the pass below). Many Southwest flights are 7,500 points or less round-trip — and not just between close cities!
Maximizing the Fourth Quarter Categories
When it comes to the department stores, most are included in online shopping portals, which allow you to earn airline (and other loyalty points) just by starting your shopping at the portal.
I like to start all my online shopping at the Southwest Rapid Rewards Shopping Portal, and we compile the best deals you’ll find there each week. You can find those here –> Weekly Rapid Rewards Shopping Deals.
By starting at the shopping portal and THEN using your Chase Freedom card to pay, you’ll earn points through the shopping portal ON TOP OF the 5% cashback (up to $1,500) you can earn on this category in the fourth quarter.
Thanks again for using the links in this post or the TRAVEL CREDIT CARDS links in the main menu to review and apply for cards.
- Go to Travel Gal’s Travel Credit Card Plan: Which Cards When
- Calling the Chase Reconsideration Line? What to Expect to Secure an Approval
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