Begins today: Activate 5x at Amazon and Whole Foods Market on your Chase Freedom
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Editor’s note: This is The Points Guy’s permanent page about Chase Freedom’s latest quarterly bonus categories. Keep in mind you may see some reader comments referring to older quarterly categories below.
July 1 marks the start of a new quarter, which means new opportunities to earn 5% (or 5x points) with your Chase Freedom card. Starting today, enrolled cards will earn bonus rewards on Amazon.com and Whole Foods Market — both of which are very useful for most of us right now. With many Americans still staying home or close to home due to the coronavirus, the Q3 bonuses will come in handy.
The information for the Chase Freedom has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Chase Freedom Q3 categories
From July 1, 2020, through Sept. 30, 2020, Chase Freedom cardholders can earn 5% cash back on the following categories:
- Whole Foods Market
Keep in mind that your Amazon Now or Amazon Fresh grocery delivery may not qualify for the 5x bonus since Instacart fulfills the order. For the best cards for all groceries in Q3, take a look at our list of the best credit cards for groceries.
Don’t forget to activate your categories in order to earn 5%/5x, which you can do online through your Chase account.
Frequently asked questions about Chase Freedom bonus categories
How do rotating categories work?
Each quarter, Chase announces a group of bonus categories that will earn 5% cash back throughout the upcoming three-month period. Generally, these categories are announced halfway through the month before the new quarter starts to give cardholders time to activate new categories beforehand. However, you can activate your categories up until midway through the last month of the quarter.
The categories tend to repeat — grocery stores, restaurants and gas stations are all common categories that you’ll notice frequently pop up on the cash back calendar, for example. When you maximize your rotating categories, these types of cards can offer quite a nice chunk of cash back over the year.
Related reading: Check out our full Chase Freedom card review
How much cash back can I earn each quarter?
Chase limits 5% back to the first $1,500 spent in combined bonus categories each quarter you activate. While $1,500 doesn’t sound like a lot, that cash back can rack up over time. If you maximize the cash back categories each quarter, you’ll earn $75 in cash back — $300 per year. For a no-annual-fee credit card, that’s a lot of value.
How do I activate my 5% categories each quarter?
As always, beginning today, head over to Chase’s site to activate your 5% cash back. You can also register through your Chase mobile app, making one less credit card website you’ll need to visit regularly this year.
Here’s how to register:
- Head to the Chase bonus activation page or log-in to your Chase account.
- Enter your last name, last four digits of your card number and your billing zip code. If you don’t have your card on hand, log into your Chase account to retrieve these digits.
- Click “Activate Now” to register.
- If you have multiple Chase Freedom cards, make sure to register each one.
- Save a screenshot of your activation, just in case there are any issues later.
How do I maximize my Chase Freedom card?
Of course, the most important thing is to make sure you’re activating your categories each quarter and then actually using your card for those categories. You can set up a recurring reminder in your calendar, or you can sign up for the TPG newsletter (we send out a reminder when it’s time to activate every quarter — plus tips and tricks for maximizing your card strategy and scoring some awesome award redemptions).
Better yet, paired with a Chase credit card that earns Ultimate Rewards points like the Chase Sapphire Reserve or the Chase Sapphire Preferred Card, the Chase Freedom’s 5% cash back effectively becomes 5x Ultimate Rewards points, as you can learn all about in our guide detailing Chase’s “Perfect Quartet.”
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 of account opening (though there is a higher public offer if you go through Chase directly). 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 Chase Sapphire Reserve and redeem the points at a higher value. From there, you can transfer Ultimate Rewards points to travel partners like Southwest, Hyatt and United.
Additional reporting by Chris Dong and Madison Blancaflor.
Featured photo by Wyatt Smith/The Points Guy
WELCOME OFFER: 60,000 Points
TPG'S BONUS VALUATION*: $1,200
CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners
*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
- 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.