[Ends Tomorrow!] Register Now For Excellent Freedom Q4 Bonus Categories; Finish Q3 Category Spending!

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Update: Don’t forget to finish your Freedom Q3 spending by tomorrow!

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). My wife and I now have 8 Freedom cards, which makes it all the more lucrative!

You can register now for 2022 Q4 spending which will be valid 10/1-12/31 at:

  • Walmart and Walmart.com, including gift cards sold for other stores, purchases at Walmart Discount Stores, Walmart SuperCenters, Walmart Neighborhood Markets, www.walmart.com, Walmart branded gas stations operated by Walmart, any other Walmart branded retail stores operated by Walmart, and purchases made with Walmart Pay. 
  • Paypal, including purchases from anyone and charity.

You still can finish Q3 spending through 9/30 at:

  • Gas stations
    • This includes most 7-Eleven stores and gas stations that sell gift cards for other stores as well. My local GetGo gas stations earn sweet rewards on gift card purchases, making this quarter even more lucrative.
  • Rental Car Agencies
    • Note that Freedom cards do not have primary rental car CDW coverage like Sapphire Preferred or Sapphire Reserve card. However you can rent with a card that has primary coverage and then switch to a Freedom card after the rental is complete.
  • Select Live Entertainment
    • Includes in-person entertainment such as major sporting events, zoos and aquariums, concerts, theatrical productions, museums, tourist attractions and exhibits, amusement parks, circuses, carnivals, bands, and entertainers. Ticket agencies selling on behalf of the entertainment venue are included.
  • Movie Theaters


You can check your current 5% earnings here by clicking on “Your Dashboard.”


You can currently earn a $200 signup bonus in the form of 20,000 Ultimate Rewards points for spending $500 on the Freedom Flex Mastercard.  Plus you’ll earn 3 points per dollar on drugstore and dining purchases and 5 points per dollar on all Travel purchased through the Chase Ultimate Rewards portal. Read more about the Freedom Flex card here.

While Chase Freedom Flex 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 earns 3 points per dollar on up to $20,000 of spending during your first 12 months. Plus it’s excellent for everyday spending thanks to 1.5 points per dollar that can be earned everywhere with no limit, though it doesn’t have rotating 5x categories. Read more about the Freedom Unlimited card here.

The no annual fee business version of Freedom Unlimited is the Chase Ink Unlimited Card, which offers $750 in the form of 75,000 Chase Ultimate Rewards points after spending $7,500 within 3 months plus 1.5 points per dollar spent. Read more about the Ink Unlimited card here.

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 Reserveor Sapphire Preferred, 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 redeem your points for paid travel or other select consumer categories and business categories 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 Q3 and Q4 purchases?

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21 Comments On "[Ends Tomorrow!] Register Now For Excellent Freedom Q4 Bonus Categories; Finish Q3 Category Spending!"

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


Does this also include PayPal key?


Paypal key has been discontinued months ago unfortunately 🙁


(Somewhat related) Will “Pay Yourself Back” – Airbnb redemption be extended for Chase Sapphire?


So to clarify if I make a purchase via PayPal ( instead of a credit card ) and choose my Chase Freedom Flex card as the source of payment I get 5x ?


Will joining Walmart+ be counted towards the 5% bonus category?


“However you can rent with a card that has primary coverage and then switch to a Freedom card after the rental is complete.”
Pretty sure there’s a serious shielah on that, with many poskim holding that it might be gezeila


if this bothers you (i don’t really see the logic, but let’s assume), use a chase card that has the coverage and then switch to the freedom afterwards. This way it’s chase insuring you and chase getting the fees, so no fear of גזל.


I assume PayPal giving fund is included? I can max out right away and donate the funds to my Shul


Is there a replacement for paypal key?


Why is this such a great quarter? What’s so speacial about paypal? never use it


Isn’t there a 2.9% fee to send money to someone if its not from a bank account with PayPal?


If you’re missing the gas station perk, the amazon visa is giving 10% back in gas.

Chaim F

What happened to PayPal key?


If I have the freedom flex which cards can I upgrade to?

Ben *

I have a freedom flex which cards can I upgrade to?


Will chase charge a cash advance fee if i use freedom to send money via paypal to a person (not a business) ?

they never did in the past but i recently read that policy has changed