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Earn 5% back with Chase Freedom 4th Quarter

One of our favorite cards to use in our family is the Chase Freedom. I wrote about this recently as one of the many credit cards that we use, along with many of my friends who love earning miles and points.

Jason & friends – our favorite credit cards for Dining, Groceries, & More

What’s the big deal with Chase Freedom

During the course of the year, the Chase Freedom card gets 1 point for every dollar spent with the card. No big deal, right?  But there are certain quarters during the course of the year when using the Chase Freedom earns you 5% cash back or 5 points per dollar.

For the 4th Quarter of 2019, Chase announced its recent promotion when you use the Chase Freedom during the 4th quarter. You can earn 5% back or 5x on the first $1,500 you spend in combined purchases in these categories:

  • PayPal
  • Chase Pay
  • Department Stores

What a perfect time to earn 5x. The holidays are coming up. Chances are you could be doing a lot of online shopping where you will have an opportunity to pay using PayPal or Chase Pay – but you have to make sure you choose your Chase Freedom card to make the payment. Or, you could make your purchases at department stores and get 5x.

What do you need to do?

If you have this card, you will need to activate this by going to your Chase Freedom account. As of September 13, the option to activate the 4th quarter promo is not yet available, but I expect that to change in the next few days. All you have to have to do is go to your Chase Freedom account, look for the link for the 5% cash back, and activate. If that doesn’t work, you can also call Chase directly and ask them to activate your card for the new promotion.

What’s in it for you?

The maximum spend to get the 5% cash back is $1,500 per quarter, therefore, if you spend $1,500 during one quarter, when you multiply that by 5 points, that’s equivalent to 7,500 Chase Ultimate Rewards. If you take advantage of the quarterly promo in full, you could earn 30,000 Chase Ultimate Rewards in one year by simply using your Chase Freedom appropriately during the year. That’s 7,500 per quarter x 4 quarters = 30,000 Chase Ultimate Rewards in one year. That’s worth a round trip ticket somewhere in the US, or perhaps somewhere in the world.


What if you don’t have the Chase Freedom card today?

Very simple. You can apply for a new Chase Freedom  card (click here). Here’s the latest offer:

Earn $150 bonus after you spend $500 on purchases in your first 3 months from account opening

  • 5% bonus Ultimate Rewards or cash back (quarterly bonus categories)
  • The promo has included purchases with gas stations, groceries, restaurant, the typical everyday spend.
  • The best part? No Annual Fee.

To get this card, click here! Chase Freedom

How else can you maximize your earnings with the Chase Freedom

As I’ve mentioned before, in our family, my wife and I go on a two-player mode. Way before we started earning miles and points, we had separate Chase Slate accounts. We don’t use those accounts anymore, and I learned that we could product change those accounts to Chase Freedom. You are also allowed to have more than one Chase Freedom account under your name. Just know that if you product change to a Chase Freedom card, you will not be eligible to get the sign up bonus (as noted above) but you can take advantage of the quarterly 5% promotions.

Meanwhile, while you are still waiting for the 4th quarter (October 1-Dec 31, 2019), you can still use your Chase Freedom at gas stations and pay for your streaming services and get 5% back. You must have activated this promotion in order to get the benefits.

If you’re not earning more than 1 point per dollar…

…find ways how to double, triple, or quadruple (you get the idea) your earning potential. Earning 1 point is better than earning nothing. But earning more than 1 point is sweeter. That’s why we love our Chase Freedom card. There is no Annual Fee, and the rotational quarterly promos could get us 5% back on our spend.

Do you have the Chase Freedom card? Which quarterly promo do you like? How do you maximize your earnings potential?

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Editorial Disclosure: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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