Chase Sapphire Reserve℠

Activate Your Q3 Chase Freedom 5x Bonus Category

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Chase Freedom’s latest promotion is officially available for enrollment. From July 1 to September 30, you’ll earn 5% cash back (or 5x Chase Ultimate Rewards points) on purchases made at restaurants and wholesale clubs. But, no matter how hungry you are, the 5%/5x return is a limited to the first $1,500 in purchases.

If you’re not already a cardholder, now’s as good a time as any to sign up. The Chase Freedom is currently offering a sign-up bonus of $150 (or 15,000 points) after you spend $500 in the first three months. You can redeem points for cash back (100 points = $1), or transfer them to Chase Ultimate Rewards if you have the Chase Sapphire Preferred or the Ink Plus Business Card. From there, you can transfer Ultimate Rewards points to travel partners like SouthwestHyatt and United.

Earn up to $75 cash back - or 7500 Ultimate Reward points - for your Q3 purchases.
Earn up to $75 cash back — or 7,500 Ultimate Reward points — for your Q3 purchases.

Chase lists 151 restaurants that will qualify for the 5x bonus. However, there are other restaurants not listed that should still qualify based on their merchant code. The list of eligible wholesale clubs includes BJ’s, Sam’s Club and — for the first time — Costco.

However, the following types of merchants — or items sold by qualifying merchants — are excluded from the 5x bonus:

  • Supermarkets/Grocery Stores
  • Cafes, Catering or Bakeries inside of Grocery Stores
  • Candy Stores
  • Gourmet Food Shops
  • Liquor Stores
  • Gas and Fuel at Wholesale Clubs
  • Wholesale Clubs specialty services such as travel, insurance, cell phone and home improvement
  • Merchants that sell food and drinks located within larger merchants such as sports stadiums, hotels, casinos, theme parks and department stores
Make sure that you get a confirmation that you are registered!
Make sure that you get a confirmation that you’re activated!

If you’re already a cardholder, you can register here to activate your spending bonus for the quarter. If you have multiple Chase Freedom accounts, be sure to activate them all.

You have until September 14 to activate your card(s), as Chase will retroactively credit you with bonus points on category spending from earlier in the quarter. But, there’s really no reason to wait, so go ahead and activate now.

Note that this 5x bonus category promotion does not apply to the new Freedom Unlimited Card, which offers a flat 1.5% back on all purchases.

You still have a few more days to maximize your Q2 bonus category.
You still have a few more days to maximize your Q2 bonus category.

Now through June 30, Chase is offering cardholders the chance to earn bonus points at grocery stores and wholesale clubs. If you activated your Q2 bonus before June 14, you still have through the end of the month to max out your grocery store purchases. Note that Walmart and Target don’t apply for the Q2 bonus.

However, there’s no hurry to spend a bunch at wholesale clubs. Chase has confirmed that wholesale clubs will continue to qualify for the 5x earnings through the end of the year.

For TPG’s review of the Chase Freedom card, watch this video, below:

For more info on the Chase Freedom card, check out these posts:

Chase Freedom®

Apply Now
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Unlimited 1% cash back on all other purchases — it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Enjoy new 5% categories every 3 months like gas stations, restaurants, and wholesale clubs
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Intro APR Regular APR Annual Fee Foreign Transaction Fee Credit Rating
0% for 15 months 14.24%-23.24% Variable $0 3.00% Excellent/Good