1 Minute Gets You 5X Points (or 5% Cash Back) at Restaurants & Lowe’s

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It’s time to activate your 5X Ultimate Rewards points (5% cash back) Chase Freedom category bonus for April to June 2014.

Activating takes less than a minute.

You can activate any time between March 15, 2014 and June 14, 2014 and still get the 5X bonus points.  

Between April 1, 2014 and June 30, 2014, the bonus categories are restaurants and Lowe’s home improvement stores.  You’ll earn the bonus for up to $1,500 in purchases, for a maximum of 7,500 Chase Ultimate Rewards points or $75 cash back.

What’s the Chase Freedom Card?

Link:   Chase Freedom

Link:   Activate the Chase Freedom 5X Categories

Emily and I love the Chase Freedom card because it’s really easy to earn 5 times the number of Ultimate Rewards points (up to $1,500 or 7,500 points a quarter) for purchases we would make anyway.

The 5X bonus categories change every quarter, but if you spend $6,000 a year ($1,500 X 4 quarters) you’ll get 30,000 Ultimate Rewards points.

The Chase Freedom is a fee-free card, so it’s a good card to keep for a long time.  This can increase the average age of your credit card accounts and improve your credit score.

1 Minute Gets You 5X Points Or 5% Cash Back At Restaurants And Lowe's

Keeping Fee-Free Cards Long Term Can Improve Your Credit Score

You can redeem the points earned for cash back, or transfer points to the Chase Sapphire Preferred, (no longer offered) Chase Ink Bold, or Chase Ink Plus.  From there, you can transfer points to airlines and hotels like United, Southwest, Hyatt, and IHG.

1 Minute Gets You 5X Points Or 5% Cash Back At Restaurants And Lowe's

You Can Transfer Ultimate Rewards Points to Fly United Airlines

How to Make the Most of the Bonus

Link:   My Chase Freedom 2014 Category Bonus Review

We enjoy going out for dinner, so we’ll put all our restaurant spending this quarter on the Chase Freedom card.

1 Minute Gets You 5X Points Or 5% Cash Back At Restaurants And Lowe's

We’ll Use Our Chase Freedom Card When We Go Out to Eat

Double Dip!

Don’t forget to register your Chase Freedom card with your favorite Rewards Network dining program to earn even more miles and points when you eat at participating restaurants!

1 Minute Gets You 5X Points Or 5% Cash Back At Restaurants And Lowe's

Combine the Chase Freedom Restaurant Bonus With Rewards Network Dining for More Points

And some folks have reported using the Chase Ultimate Rewards shopping portal to earn extra points at Lowe’s for online purchases.

Bottom Line

You can earn 30,000 Ultimate Rewards points a year when you max out the Chase Freedom bonus categories each quarter.  But don’t forget to active your bonus categories!

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18 responses to “1 Minute Gets You 5X Points (or 5% Cash Back) at Restaurants & Lowe’s

  1. Double dip by buying lowes gift cards thru portal. Then triple dip by spending them at lowes.com

  2. @anon-Can you use Lowe’s GCs to buy other non-Lowe’s GCs?

  3. Can u do double dip on Lowe’s GC through the UR portal? I thought that is not allowed by the T&C..

  4. No, you can’t buy 3rd party GCs with Lowes GC so no double dipping on those

    Getting UR points for lowes GC works for me a few months back. I will try again in a week.

  5. Is there a way to tell how much you have already spent in the 5X categories?

  6. I actually just called Chase Freedom and they said there is no 30k bonus for using the full amount (1500) per quarter. Do you have a link that shows this?

  7. I have been looking to apply for the southwest Business card to gain the 50,000 points but cannot find it anywhere. Do you know if this is still available and if so, can you direct me to the link?


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  9. Can i purchase thru Ultimate rewards portal (from any retailer) using retailer specific gift cards as payment, and still get the extra points? i.e.- I buy some Gap gc’s at Staples, then shop at Gap.com thru Chase portal, and pay with the gc’s….. does this work?

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