Last Day To Register For Chase Freedom Q4 Spending!

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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 activate Chase Freedom Q4 5% categories. If you activate today you will retroactively receive 5 points per dollar for all bonus spending since the beginning of this quarter!

Q4 spending is valid from 10/1-12/31 for:

On 12/15, you’ll be able to register for 2020 Q1 spending.

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.

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 an Ink Preferred, Sapphire Reserve, or Sapphire Preferred, or card then you can transfer points from Freedom to one of those cards and from there to your favorite travel currency. Those cards also allow you to rdeem your points for paid travel at a value of 1.25 or 1.5 cents per point. 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 Q4 purchases?


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10 Comments On "Last Day To Register For Chase Freedom Q4 Spending!"

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Q4 or Not?

I have Freedom Unlimited but I can’t find an option to enroll in the Q4 5%. Please help before the dead line. Thanks!

Michael

@Dan,
Are you gonna watch/post about “the Jeopardy match-up of all time.” ?

Effi

@dan Have they said what the 2020 Q1 categories will be?

Joey

Gas stations, streaming services, phone, cable, and internet.

Yitz

Is target a department store

Elie

Is Neiman Marcus Last Call included?

ny

i am not sure about whether using samsung pay through chase pay in stores will work. i used it at trader joes and chase did not recognize it. they gave me the points as a courtesy but strictly speaking it did not process at eligible for the 5x

Moishebatchy

If I missed the “deadline” for activating Q4, can a Chase rep still do it over the phone?

Tom

Amex blue cash preferred 6k is based on calender year. Is that by jan 1 or January statement?

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