Chase announces Q4 categories

Chase announced the Q4 Freedom categories – department stores, PayPal and Chase Pay will be the keys to earning 5x Ultimate Rewards.

Chase Freedom is one of the best credit cards for specific bonus categories.
Chase Freedom is one of the best credit cards for specific bonus categories.

The Chase Freedom card is a great card for everyday people to earn points because of the quarterly 5x Ultimate Reward bonus points. This card is one of the easiest ways to earn a lot of points quickly.

Cardholders will earn 5x the amount of points when used at department stores, PayPal and Chase Pay stores up to $1,500 from October through the end of the year.

PayPal is a great way to earn 5x on a plethora of different categories. Regular online stores will have Paypal options. Here’s a useful tool to find out which online retailers have PayPal as an option.

The PayPal promotion is one of my favorites since there are so many options to take advantage. While normal category bonuses are fine, PayPal is a great way to earn 5x on points that typically don’t earn a bonus.

By December 15, activate your account here. Please note that you must activate this before you can start earning 5x points on these categories.

Chase Freedom Bonus Categories for 2019 
Q1 (Jan. 1 - March 31)Gas stations, tolls and drugstores
Q2 (April 1 - June 30)Home improvement stores and grocery stores
Q3 (July 1 - Sept. 30)Gas stations and streaming services
Q4 (Oct. 1 - Dec. 31)Department stores, PayPal and Chase Pay

The Chase Trifecta

The Chase Trifecta is an important and powerful key to earning Ultimate Rewards. Pairing the Freedom with a Chase Sapphire (Preferred or Reserve) card and one or both of the Freedom or Freedom Unlimited Card is even more powerful.

The Freedom (5x on quarterly rotating categories) and Freedom Unlimited (1.5x on every purchase) are both cash-back cards. However, when a cardholder has a Chase Sapphire card, the cash back credits can transfer to become Ultimate Rewards.

Chase Ultimate Rewards are our favorite type of transferable points because of its 13 transfer partners. In fact, Chase Ultimate Rewards was how I booked a honeymoon for free to Jamaica. To show how great Chase Ultimate Rewards are, we planned a trip using just 60,000 Ultimate Rewards.

How to max out the category

The nice thing about the Chase Q4 categories is that they fall right around the holidays so purchasing gifts can help max out the limit.

While it’s hard to max out the $1,500 limit with many categories for the everyday person, the ability to earn 5x on PayPal and department stores around the holidays definitely makes it more doable.

If you have to make any big purchases, try to make it at an online store that takes PayPal, a department store, on in a rare case, Chase Pay.

Final Thoughts

I’ve always tried to take maximum advantage of the 5x bonus categories. The Q4 categories allow cardholders to earn points on purchases that typically do not earn bonus points. Take advantage of online stores that allow shoppers to use PayPal.

Because I value Chase Ultimate Rewards so highly, this is always a promotion that I focus on maximizing.


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