Where Will You Spend To Earn The Chase Freedom Q1 Bonus?

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You can click here to activate to activate Chase Freedom Q1 bonus spending.

Q1 spending is valid at gas stations and internet/phone/cable spending. That includes 7-Eleven, Cell Phone Providers, Netflix, Spotify, Hulu, GoGo, and more.

But more interestingly, Q1 spending is also valid on all Chase Pay, Android Pay, Samsung Pay, or Apple Pay purchases!

If you have a Samsung phone then you can use Samsung Pay pretty much everywhere. The store may claim they don’t accept phone payments, but if you just hold the phone near the card reader you can use it just about anywhere. That should make this a very easy quarter to max out the $1,500 limit per card as you can spend (or manufacture spend) anywhere.

I have 3 Chase Freedom cards, so that should be an easy 22.5K points this quarter.

If you haven’t made any Samsung Pay purchases yet you can get another $5, just open the app, click on “promotions”, scroll down to enter a referral code via “new user with a code”, and enter my referral code for $5 in rewards: E44C14

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. For $1,500 in 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).

You can view credit card offers by hovering over the “Credit Cards” tab. You can click on “Top Credit Card Offers“ and then hover over “Card Type” to find card offers from the bank you’re looking for.

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.

Freedom or Freedom Unlimited alone can’t transfer points into much more lucrative airline or hotel miles, but if you or your spouse has a Sapphire Reserve, Sapphire Preferred, Ink Bold, Ink Plus, or Ink Preferred card then you can transfer points from Freedom to one of those cards and from there to your favorite travel currency. You can read at the end of this post on great uses of Chase mileage transfers. The Freedom or Freedom 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 Q1 purchases?

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47 Comments On "Where Will You Spend To Earn The Chase Freedom Q1 Bonus?"

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You can use Apple Pay for ANY purchase?


I usually pay my cellphone bill with my Ink Business card and get 5 ppd. Is there any reason I should pay it with my Freedom card this quarter?


ShopRite for 10x.


4 Includes purchases made using your Freedom card with your Chase Pay, Apple Pay, Samsung Pay, or Android Pay digital wallet during check out. Eligible purchases only qualify for a total of 5% Cash Back rewards; purchases made using eligible wallets at other current 5% quarterly categories will be awarded a total of 5% Cash Back rewards on up to $1500 in combined purchases.


So if it gets charged to my freedom card, then how will chase know I used Apple Pay?


Bc method of payment is categorized by the system as mobile pay or something like that.


What is chase pay? Is it paying with quickpay by Zelle?


It’s the Chase version of Apple Pay, in a sense. Download the Chase Pay app, log in using your Chase credentials, and you can pay at retailers’ point of sale OR pay directly thru the Chase Pay app

Abe Herskowitz

Can you use it to pay internet bill on line.?


Not for the Freedom Unlimited card I assume, right?


if i buy a gift card on Walmart’s website and checkout with chase pay will that count towards the bonus? does it matter what kind of gift card it is?


how do you have three freedom cards?


A downgraded sapphire is equivalent to a freedom?


Hi Dan

If I down grated my chase sapphire preferred can I open such a card again?




Anyone know if my Optimum (internet) bill qualifies? If so, I wonder if they have an option to pre-pay in Q1 for the next several months…


It does and you can pre-pay.


MTA Etix monthly lirr tickets!


I just closed a freedom and opened a freedom unlimited. Should i open the freedom for this? I use apple pay a lot! Uber, LIRR Etix, etc.


I recently downgraded my chase sapphire preferred to a freedom unlimited. Two questions: Can I ask for it to be changed to a freedom instead? And how long do I need to wait before opening another chase sapphire preferred and recieving a new bonus for it? thanks Dan.

Morris green

Hi dan can you also transfer ultimate reward points to your friends chase account and from there send it to his united account

David braun

Yes you can

David braun


Adam Jackman

don’t think so, chase only allows transfer to someone in the same household…

Saul Chakkalo

Do these bonuses also apply to freedom unlimited?




Hey Dan, will I get the 5% bonus when used by my authorized user?