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One of the best ways out there to rack up bonus points on specific spending categories is with Chase Freedom’s quarterly rotating categories of merchants and retailers where cardholders earn 5 points per $1 up to a $1,500 quarterly cap.

If you maximize the $6,000 in yearly spend, you are looking at 30,000 bonus Ultimate Rewards points, which may not seem like a ton, but it’s pretty awesome for a card that has no annual fee. Normally 30,000 Freedom Ultimate Rewards points equal $300 in cash back, but I value them at about $600, since I can transfer them to my Sapphire Preferred and Ink Plus Ultimate Rewards accounts and then transfer on to partners like United, Southwest and Hyatt.

You can activate your card the following ways:

  • Online: Visit chase.com/freedom.
  • Text Message: Sign up for Chase Freedom 5% Text Reminders at chase.com/freedom and you’ll get a text reminding you when it’s time to activate.
  • Email: Provide your email address at chase.com/freedom and they will send you an email when it’s time to activate.
  • Phone: Call the number on the back of your card and let an adviser activate your 5% cash back.
  • Chase location: Visit any Chase bank and see a personal banker.

For more on the Chase Freedom, read these previous posts:
Chase Freedom Visa 2014 5x Bonus Categories Announced
Chase Freedom Sign-Up Bonus Increased To 20,000 Bonus Points
Top 10 Cards In My Wallet And What I Use Each For

Chase Sapphire Preferred Card

With great transfer partners like United and Hyatt, 2x points on travel & dining and a 50,000 point sign up bonus, the Chase Sapphire Preferred is a great card for those looking to get into the points and miles game.

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More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR on Purchases
N/A
Regular APR
16.49% - 23.49% Variable
Annual Fee
Introductory Annual Fee of $0 the first year, then $95
Balance Transfer Fee
5.00%
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.