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The official 2015 category bonuses for the Chase Freedom credit card are out!
The Chase Freedom is great because you can easily earn 5X Chase Ultimate Rewards points on regular purchases. Spend $1,500 in the categories each quarter to get 7,500 Chase Ultimate Rewards points. And you can use those points to get $75.
But I prefer to use the points for Big Travel with Small Money. I’ll explain!
How to Use the Freedom Categories to Get Big Travel
Link: Chase Freedom
Link: Chase Sapphire Preferred
Link: Chase Ink Plus
The Chase Freedom has no annual fee so you can keep it for a long time. This helps your credit score and builds a relationship with Chase which often has the best credit card offers.
Some folks like to redeem the Chase Ultimate Rewards points for 5% cash back. But you can also transfer them to the Chase Sapphire Preferred, (no longer offered) Chase Ink Bold, or the Chase Ink Plus and from there to airline or hotel partners such as Hyatt or United Airlines.
For instance, when you spend the maximum of $1,500 in the categories each quarter, you’ll earn 7,500 Chase Ultimate Rewards points. So at the end of the year, you will have collected 30,000 Chase Ultimate Rewards points (7,500 Chase Ultimate Rewards points per quarter X 4 quarters).
That’s worth $300 if you choose cash back. But when you have the Sapphire Preferred, Chase Ink Bold, or the Chase Ink Plus you can transfer your 30,000 Chase Ultimate Rewards points to 30,000 United Airlines miles.
That’s more than enough United Airlines miles for a round-trip award flight to anywhere in the US (excluding Hawaii), Alaska, and Canada! Depending where you want to go, that can be worth much more than $300!
30,000 United Airlines miles can also get you a 1-way flight to Europe. Most 1-way flights to Europe cost much more than $300.
Finally, when you have the Chase Sapphire Preferred, Chase Ink Bold, or Chase Ink Plus, you can book any flight on any airline with no blackout dates through the Ultimate Rewards travel portal for a 20% discount when you pay with Chase Ultimate Rewards points.
So you could use the 30,000 Chase Ultimate Rewards points you earned with your Freedom card for a $375 flight!
2015 Chase Freedom Categories
Note: You have to activate each quarter’s category bonuses to earn the 5X Chase Ultimate Rewards points. It takes less than 1 minute. You can sign-up for reminders on the Chase website. But I’ll remind you as well!
January to March
- Grocery stores, movie theaters, & Starbucks
This is great because everyone buys groceries.
April to June
Normally I use my Chase Sapphire Preferred to get 2X Chase Ultimate Rewards points at restaurants, but this quarter I’ll use my Freedom card instead.
July to September
- Gas stations
Getting 5X Chase Ultimate Rewards points for gas is terrific! And many station stations sell more than just gas.
October to December
I LOVE the 4th quarter. That’s because Amazon.com is usually a bonus category!
I use my Chase Freedom over my other cards to earn 5X Chase Ultimate Rewards points in the bonus categories each quarter.
You can get 5X Chase Ultimate Rewards points with your Chase Freedom in the quarterly categories.
You can earn 30,000 Chase Ultimate Rewards points from the 2015 categories. That’s worth $300 in cash.
Or transfer the points to partners like United Airlines for travel such as a round-trip award ticket within the US and Canada or a 1-way flight to Europe.