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My Chase Freedom card is one of the few free credit cards that I hold that’s guaranteed to get a place in my wallet every quarter. While I’m a big fan of fee-free credit cards most of mine don’t offer big enough spending bonuses to warrant being used on a regular basis….but Chase Freedom is different.
Most of you will already know this but, for those who are new to this hobby, it’s worth reiterating why the Chase Freedom card is so popular:
- It’s free
- Every quarter the card offers 5% cash back on up to $1,500 of purchases made in rotating categories.
- If you also hold one of the Chase Sapphire Cards (and you probably should) or the Ink Preferred Business card, the 5% cash back can be converted to 5 Ultimate Rewards points which, in turn, convert to a host of other desirable reward currencies).
- Essentially the Chase Freedom credit card allows you to earn 30,000 Ultimate Rewards points every year with not a lot of effort.
For the quarter about to end (on 31 March) the Chase Freedom card offered 5% back (or 5 Ultimate Rewards points/dollar) on gas station spend, internet/cable/phone services spend and all spend made via the main smartphone payment apps (Apple Pay, Google Pay, Samsung Pay) as well as Chase’s own Chase Pay app.
Q1 was a remarkably easy quarter in which to make the most of the 5% cash back but now it’s time to see what Q2 (1 April – 30 June) has in store:
You can register for the second quarter’s bonus categories through your Chase online account or via the dedicated Chase Freedom registration page. You’ll simply need to know your last name (hopefully not too tricky), your billing zip code and the last four digits of your Chase Freedom credit card number.
It’s always good to see grocery stores included in the Chase Freedom bonus categories as grocery stores sell all kinds of gift cards that can be used to make sure you don’t fall short of the $1,500 spending limit.
PayPal is another great category to see included. It’s accepted at so many online stores nowadays that it too makes hitting the $1,500 spending target remarkably easy.
Sadly, the story’s not quite the same with Chase Pay.
It’s not surprising that Chase is using one of its credit cards to promote the use of its own mobile payment service but what the bank really needs to do is expand the number of places the service can be used.
You’ll need to download the Chase Pay app to see all the places near you where Chase Pay is accepted and you can visit the Chase Pay section of the bank’s website to see where else the app can be used.
The number of places Chase Pay is accepted is definitely growing…it just needs to grow a little faster.
If you have a Chase Freedom credit card make sure you sign up for the 2Q bonus categories before you forget find yourself half way through the quarter with no bonuses earned.
If you don’t have a Chase Freedom credit card you should find out more about it and see if it would work for you. I didn’t have one for years because I had more than my fair of credit cards already open and keeping track of them all was becoming a chore….but I’m glad I’ve got one now because there are few better fee-free credit cards out there.