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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 2024 Q4 spending which will be valid 10/1-12/31 at:
- Paypal, including purchases from anyone, tax payments, 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, including American Red Cross, Equal Justice Initiatives, Feeding America, Habitat for Humanity, International Medical Corps, International Rescue Committee, Leadership Conference Education Fund, NAACP Legal Defense and Educational Fund, National Urban League, Thurgood Marshall College Fund, United Negro College Fund, UNICEF USA, United Way, World Central Kitchen, GLSEN, Out and Equal, and Sage. Note that you can earn this bonus at all charities, by donating to them via Paypal.
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 purchases?
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2 Comments On "Chase Freedom’s Q4 5x Bonus Categories Are Live"
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Walmart, which accepts PayPal sells Gift of College Gift Cards.
Does CVS still allow in-store PayPal purchases? On a CFF, this should earn 7x (1x base plus 4x PayPal plus 2x drug store).
Will the registers allow in-store VGC purchases paid through PayPal? A standard $500 VGC has a $5.95 fee. That nets 3,542 points (= 35.42, worst case, if cashed out at 1 cent per point), or a net profit of at least $29.47 for one $500 VGC. Or, buy three of them and earn 10,554 points, a net profit of at least $87.69. But, I don’t know if the registers are set up to allow it.