Get a 10% Bonus on All Chase Freedom Purchases

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Update:   A credit card offer in this post may no longer be available, but check the Hot Deals for the latest offers!

You can get a 10% bonus on all the Chase Freedom points you earn this year.

Chase Freedom Checking

You Can Get 10% More Points When you use Your Chase Freedom Card to Buy Everyday Items!

You’ll get the 10% bonus on your Chase Freedom if you have a Chase checking account.

Chase Freedom

Link:   Chase Freedom

I like the Chase Freedom card for 3 main reasons:

And for a limited time, you can get $200 cash back or 20,000 Chase Ultimate Rewards points sign-up bonus on the Chase Freedom.

The bonus is usually 10,000 points or $100 cash back.  You’ll earn the bonus after spending $500 in the 1st 3 months.

You earn Chase Ultimate Rewards Points that you can redeem for cash back.  Or you can transfer the points to partner airlines or hotels like Hyatt, Southwest, British Airways, and United Airlines, IF you also have the Chase Sapphire Preferred, (no longer offered) Chase Ink Bold, or Chase Ink Plus card.

Chase Freedom Checking

We Used Chase Ultimate Rewards Points to Spend 2 Weeks in Italy Enjoying the Food and Culture

Here are step-by-step instructions on how to transfer points from the Chase Freedom to a card which allows you to transfer them to hotels and airlines.

Plus every quarter you can earn 5x bonus points up to a maximum of 7,500 points per quarter or 30,000 points a year (or $300 cash back) when making purchases at select bonus category merchants.  You can fly round-trip to Hawaii from the West Coast in economy for 30,000 points or fly coach 1-way to Europe.

You can get 5% cash back or 5X points when you use your Chase Freedom at restaurants and Lowe’s home improvement stores this quarter.  

10% Bonus With Chase Exclusives

Link:   Chase Exclusives

And the benefits don’t stop there.  If you have a Chase checking account, under the Chase Exclusives program, you get a 10% bonus on your points earned.

Update:   Chase has discontinued the Chase Exclusives program.

You can open a Chase checking account online or by visiting a Chase branch.  Chase often has promotions when you open an account so see if you can find a coupon on ebay.  

Chase Freedom Checking

You Could Get $400 When You Open Chase Checking and Savings Accounts

And you get a 10% bonus on the 5X bonus points from the quarterly bonus categories and shopping portals points!

Chase Freedom Checking

You Earn an Additional 10% Bonus Each Year With Chase Exclusives

The 10% bonus is calculated at the end of each year, after your December statement has closed.  So you’re effectively getting 1.1 points per $1 spent on the Chase Freedom.  But the Chase Freedom isn’t the only Chase card that offers an annual bonus.

Which Annual Bonus Chase Card Should You Use?

Link:   Chase Sapphire Preferred

You get an annual bonus with the Chase Sapphire Preferred card without having a Chase checking account!

You get a 7% annual bonus on all points earned from purchases.  So you’ll earn 1.07 points per $1 spent on the Chase Sapphire Preferred for your regular spending.

Update: The Chase Sapphire Preferred no longer gives you a 7% annual point bonus.

Chase Freedom Checking

If You Spend $10,000 a Year on the Chase Sapphire Preferred, You’ll Earn 10,700 Ultimate Rewards Points   Update: The Chase Sapphire Preferred No Longer Gives You a 7% Annual Points Bonus

But which card should you use?

Let’s say you earn 30,000 Chase Ultimate Rewards points a year using your card (if you’re maxing out the quarterly bonus categories).  You’d get 3,000 extra points (30,000 x 10%) or $30 back with the Chase Freedom.

But with the Chase Sapphire Preferred you’d only get 2,100 points (30,000 x 7%) or $21 back.  You’d get $9 more using your Chase Freedom card.  And the Chase Freedom has no annual fee!

But you don’t earn the 10% bonus on sign-up bonus points or transferred points.

How to Get More Points Using Both Cards

You could use your Sapphire Preferred for:

  • Restaurants because you get 2X points (3X points on the 1st Friday of each month) But use the Freedom when it has a 5X restaurant quarterly category bonus. 
  • Buying travel such as airline tickets, hotels, cruises, rental cars, taxis, etc. because you get 2X points
  • Purchases outside of the US because there’s no foreign transaction fee

If you have a Chase bank account, you could use the Freedom for:

  • All other purchases in the US because you get 1% cash back (or 1 Ultimate Reward point per $1) and a 10% year-end bonus 
  • Restaurants, department stores etc. when the quarterly bonus is 5% at restaurants

Then when you want to transfer to airlines or hotel programs, transfer your Freedom points to the Chase Sapphire Preferred.

Watch Out for Foreign Transaction Fees If You Use the Freedom Outside the US

The Chase Freedom charges a 3% foreign transaction fee.  So you don’t want to use the Chase Freedom outside of the US.  You should use a card that does not charge foreign transaction fees.

My favorite no foreign transaction fee card is the Chase Sapphire Preferred.

Bottom Line

You can get a 10% bonus on all your Chase Freedom purchases if you also have a Chase checking account.

The 10% bonus or 1.1 points per $1, on the Chase Freedom, is better than the 1.07 points per $1 and 7% bonus on the Chase Sapphire Preferred, especially because the Chase Freedom is a no annual fee card.

Update: The Chase Sapphire Preferred no longer gives you a 7% annual points bonus.

Currently, Chase has doubled the usual sign-up bonus for the Freedom card to 20,000 Chase Ultimate Rewards points.

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15 responses to “Get a 10% Bonus on All Chase Freedom Purchases

  1. There are two public promotions currently available:

    Here is a $125 public offer: https://coupon.chaseoffers.com/checking/prep.do?ID=0000016380&MSC

    There was one for $150 & $200 but that has since been taken down. I keep the following page updated with the latest offerings: http://www.doctorofcredit.com/coupon-promo-codes/chase-coupon-codes/

  2. Any tricks to open an account if you don’t live in an area with a chase branch? I try online and it won’t allow me

  3. No. You cannot just open an account online. You still need to live in a state with a Chase branch. I’ve tried several times, and even having a Chase mortgage doesn’t help.

  4. @Nun, in my experience you’re not quite correct. You do not need to LIVE in a state with a Chase branch. You just have to visit a Chase branch. I live in Western PA where there are no Chase branches, and I was not able to open an account online. So I drove about 30 miles to Eastern OH and opened an account at the closest Chase branch that I could find. I’ve had the account open for two years with no problems.

  5. Does anyone know why theres a picture of dog food?

  6. What if I already have a chase checking account open? Do i still get the 10%?
    (the dog food picture threw me off too)

  7. Kathy K (will run for miles)

    correction: cat food!!

  8. Ok I read the chase t&c’s but am confused. They say you will earn 10% on points earned in the previous year, which I take to mean you get the 10% even on points you earned prior to opening the checking account?

    Also, does the 10% bonus apply to base points or also the 5x quarterly bonus as well?

    Finally, I would assume this applies to only one Freedom card per ssn (I have two freedom cards)?

    Thanks for the blog!

  9. I think the answer to Lindsey was a little vague. If the 10% is only given once a year, how will she know she is getting it “now” by checking her statement? Did I understand that correctly?

    I have had a Chase checking account for years and wonder if I was supposed to sign up for something to be eligible for the 10% bonus.

  10. I snagged this card for the 20,000 point bonus, plus the fact that it can earn a lot more than my CSP in certain circumstances. From what I’ve read, the CSP+Freedom is perhaps the best credit card duo out there. When combined, they really seem to cover all the bases.

  11. Pingback: Chase Freedom 5X Calculations | Million Mile Secrets

  12. I have had a Chase checking account for a few years now and got the Freedom card this past May. I don’t see the 10% bonus when I look at rewards activity for each purchase, any idea why?

  13. Josh, I am assuming they credit the 10% bonus as one lump sum, not on each individual purchase

  14. It was mentioned the Chase Sapphire Preferred Card no longer offers the 7% Annual Bonus. Does this only apply for new cardholders or are existing cardholders affected also?