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Chase Freedom Flex and Freedom are excellent no annual fee cards thanks to their quarterly 5% categories. While the rewards are marketed as 5% cash back, you’ll actually get 5 Ultimate Rewards points per dollar spent which can be worth much more than 5% cash.
If you max out the $1,500 in bonus spending per quarter you will earn at least 30,000 Ultimate Rewards points over the course of a year (7,500 points per quarter at 5 points per dollar spent) per Freedom card.
You can register now for 2025 Q1 spending which will be valid 1/1-3/31 at:
- Grocery Stores (excluding Walmart and Target)
- Fitness Clubs & Gym Memberships
- Hair, Nails & Spa Services
- Norwegian Cruise Lines
You still can finish Q4 spending through 12/31 at:
- Paypal, including purchases from anyone and charity donations made via Paypal. This also includes paying utility bills via Paypal and Paypal Giving Fund donations to any charity with no processing fees!
- Pet Shops and Vet Services
- McDonald’s
- Select Charities
You can track your Freedom bonus spending here.
The value of the points will be based on where you use them, but if you use those points for a trip worth where they are worth 2 cents each then you’ll have effectively earned 10% back on those “5 point categories.” The sky is the limit of the value of airline miles as they aren’t tied to the cost of a ticket. That’s good for people in the know and bad for those who are not. 1 mile can be worth 0.25 cents or it can be worth 25 cents, it all just depends on how you use them!
Where will you make your Q4 and Q1 purchases?
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9 Comments On "Register Now For Q1 Chase Freedom 5x Bonus Categories, Finish Q4 Bonus Category Spending!"
All opinions expressed below are user generated and the opinions aren’t provided, reviewed or endorsed by any advertiser or DansDeals.
Just realized yesterday that I didn’t activate quarter 4 and I spent $1,500, any recourse?
Call and beg?
is there a PayPal fee for paying utilities via cc?
I had to make a separate Chase account to open my Ink card. How can I pool my points from my personal account?
So can I buy $1500 of Kroger gift cards and just max this out in one go? Then I can spread the spend over more months.
does instacart orders count as groceries for 5points per dollar spent?
Yes 99.99%
ty!
I have on some Chase card an offer of get 10% back at Instacart after spending $50 or more