Last Day To Complete Chase Freedom Q2 Spending; Register Now For Freedom Q3 Bonus Categories

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Chase Freedom is an excellent no annual fee card thanks to its quarterly 5% categories. While they call it 5% cash back, you’ll really 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).

Today is the final day to finish spending on Chase Freedom Q2 5% categories.

Q2 spending is valid from 4/1-6/30 for:

  • Grocery stores. This includes large grocery chains and small local grocery stores. These stores sell gift cards to other stores as well. You can lookup how a store is categorized here.
  • Home Improvement stores. This includes large chains like Home Depot and Lowe’s and smaller home improvement stores. These stores sell gift cards to other stores as well.

You can register now for 2019 Q3 spending which will be valid 7/1-9/30 at:

  • Gas stations: This includes most 7-Eleven stores and gas stations that sell gift cards for other stores as well. You can lookup how a store is categorized here. My local GetGo gas stations earn sweet rewards on gift card purchases, making this quarter even more lucrative.
  • Streaming services: This includes Netflix, Hulu, Sling, Vudu, FuboTV, Apple Music, SiriusXM, Pandora and Spotify.

While Chase Freedom is a great card for the bonus categories, it’s not a great card for everyday spending. However the Chase Freedom Unlimited card also has no annual fee and is excellent for everyday spending thanks to 1.5 points per dollar that can be earned everywhere with no limit. You can also earn 3 points per dollar on up to $20K of spending for the first year that you have the card.

The no annual fee business version of Freedom Unlimited is the Chase Ink Unlimited Card, which offers $500 in the form of 50,000 Chase Ultimate Rewards points after spending $3,000 within 3 months plus 1.5 points per dollar spent.

Freedom, Freedom Unlimited, and Ink Unlimited alone can’t transfer points into much more lucrative airline or hotel miles, but if you or your spouse has a Sapphire ReserveSapphire Preferred, or Ink Preferred card then you can transfer points from Freedom to one of those cards and from there to your favorite travel currency. The Freedom, Freedom Unlimited, or Ink Unlimited card can also keep your points alive for free if you do close one of those premium cards.

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 Q2 and Q3 purchases?


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12 Comments On "Last Day To Complete Chase Freedom Q2 Spending; Register Now For Freedom Q3 Bonus Categories"

All opinions expressed below are user generated and the opinions aren’t provided, reviewed or endorsed by any advertiser or DansDeals.

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Mark

Does it matter by transaction date or by charge posted date?

genius

It has to post by june 30. So a purchase today with most likely be the last day.

lipa

Last quarter they did not give me the bonus points on a purchase that I made on the last day because it only posted in the new month

MR

With Pesach shopping, this is the first time, I’ve maxed out the 5% bonus through regular shopping.

mk

Bummer. I do not have any 7-elevens near me, and have not been able to find a gas station that will sell gift cards on a credit card.

Eb

This is more general than specific to this post, but related.
Why don’t you value the Discover cards 5% rotating catagory.
I know you’re not a fan of pure cashback, but if you’re spending everything on the Unlimited, then even if you value every point at 2 cents, that’s only 3 cents. Why wouldn’t 5% cashback be more worth it?

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