Tomorrow Is The Last Day To Complete Chase Freedom Q3 Spending; Register Now For Freedom Q4 Bonus Categories!

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Chase Freedom and Freedom Flex are excellent no annual fee cards thanks to their quarterly 5% categories. You can read about the differences between those cards here. 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).

Tomorrow is the final day to finish spending on Chase Freedom Q3 5% categories, but you should try to finish spending today so that the charge correctly posts in Q3.

Q3 spending is valid from 7/1-9/30 for:

You can register now for 2020 Q4 spending which will be valid 10/1-12/31 at:

  • Walmart and, including gift cards sold for other stores.
  • Paypal, including purchases, charity, or payments.

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. You’ll also earn 5 points per dollar on up to $12,000 of grocery spending in your first year, so you can earn another 60,000 points on your grocery spending! 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 the same signup bonus, 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 $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. 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, 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 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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10 Comments On "Tomorrow Is The Last Day To Complete Chase Freedom Q3 Spending; Register Now For Freedom Q4 Bonus Categories!"

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So if I send my friend $1,000 with PayPal, and he sends it back to me, we both get the 5%?


You’ll want to send about 1440ish or so, so that with the PayPal cc fee it’s 1500 in total. It works it’s an easy $40 you make after you pay the fee


I think it is too late as it takes few days to posy


paypal is one of the next quarter benefits


Not 100% related, but it looks like the Freedom Flex doesn’t have tap to pay enabled yet. I got the card and it doesn’t have the symbol for tap to pay


Which card would you use for travel via UR portal, Reserve or flex?
Does the flex have the same travel insurance as the reserve?


Does Walmart sell $500 Visa/MC gift cards? I recall buying a Visa or MC gift card at their affiliated Sams Club store last year, but then having a problem “cashing it out” for a money order later. Are there similar problems with gift cards bought at Walmart?