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 2020 Categories for the first quarter are now active, so you can begin earning cash back on your expenditures.
Chase Freedom first quarter categories are now available for earning cash back, which include gas stations, internet, cable and phone service and select streaming services.
I like Chase Freedom, because it makes it easy to score savings on things that may not ordinarily lend themselves to coupons, like internet service 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 cash back, which can be used for free travel.
Who doesn’t want cash back or free travel?!
Chase Freedom Categories 2020: Quarter 1, January-March (Active!)
Chase Freedom’s first quarter categories for January through March are now active.
These categories include:
1. Gas stations
Chase lists these as sample gas station merchants: 7 Eleven, Amoco, BP, Circle K, Clark, 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.
2. Internet, cable and phone services
Chase lists these as sample companies: Affinity Cellular, AT&T Services, Basic Talk, Boost Mobile, Charter, Comcast, Mediacom, OnStar, T-Mobile, Verizon Wireless. See the full list.
Equipment purchases are not included.
According to Chase, purchases completed inside a merchant’s store may not be classified in the qualifying services category. For example, phone payments made in a company’s store could be classified as a telephone equipment store.
3. Select streaming services
Chase lists these as sample streaming services: Disney +, Netflix, Hulu, Sling, Vudu, Fubo, Apple Music, Sirius XM, Pandora, Spotify, YouTubeTV and ESPN+.
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” and 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 cash back 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!
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
10 Things You Can Do to Start Flying Free TODAY!
Enter your email to get a free PDF that shows you 10 easy things you can do to begin your journey toward flying free RIGHT NOW! You'll also be added to Go to Travel Gal's weekly email newsletter list.