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?