Do You Know This Easy Way to Track Your Chase Freedom 5X Spending?

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Do You Know This Easy Way to Track Your Chase Freedom 5X Spending?

Million Mile SecretsDo You Know This Easy Way to Track Your Chase Freedom 5X Spending?Million Mile Secrets Team

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I love having the Chase Freedom card in my wallet.  And so does Emily

It has no annual fee.  So it’s a fantastic card to keep forever because it’s free to have.

And the card has quarterly rotating bonus categories that earns 5X Chase Ultimate Rewards points, or 5% cash back.  For example, the current quarterly bonus categories (ends December 31, 2016) includes department stores, drugstores, and wholesale clubs including Costco.

Tracking your Chase Freedom 5X spend is important!  Because you can monitor how close you are to reaching the $1,500 maximum each quarter.  This way, you’ll be able to get the most rewards!

Track Chase Freedom 5X Spend
Tracking Chase Freedom 5X Bonus Spending Can Help You Earn Points Toward Big Travel Like a Free Night at the Park Hyatt Chicago!

I’ll show you how to track Chase Freedom 5X spend!

The Current Chase Freedom Offer

Link:   Chase Freedom

Link:   My Review of the Chase Freedom

You can earn 15,000 Chase Ultimate Rewards points ($150) when you sign-up for the Chase Freedom card and spend $500 on purchases within the first 3 months of opening your account.

You’ll also get:

  • 2,500 Chase Ultimate Rewards bonus points ($25) when you add an authorized user who makes a purchase in the 1st 3 months of opening your account
  • 5X Chase Ultimate Rewards points (on up to $1,500 in spending) in rotating categories each quarter when you activate the bonus
  • Unlimited 1 Chase Ultimate Rewards point per $1 on all other purchases

The card has no annual fee!  But there are foreign transaction fees.  So it’s NOT a good card to use overseas.

This is one of the Chase cards I currently have and will always keep.  Because the quarterly 5X bonus categories are an easy way to accumulate Chase Ultimate Rewards points, which are my favorite flexible points!

And several other Million Mile Secrets team members love this card too!  Like Scott, who always uses this card when the quarterly bonus category is restaurants.  And other team members use it when supermarkets are included in the bonus category.

Big Travel With the Chase Freedom

Link:   Why Chase Ultimate Rewards Is My Favorite Points Program

On its own, you can only redeem Chase Freedom rewards for cash back.

But when you have other Chase Ultimate Rewards cards like the Chase Sapphire Preferred, Chase Sapphire ReserveChase Ink Plus, or (no longer available) Chase Ink Bold, you can combine points and transfer to airline and hotel partners.

Track Chase Freedom 5X Spend
Use the Chase Freedom With Other Chase Ultimate Rewards Cards to Get Big Travel!

That’s why spending the maximum amount on the Freedom 5X bonus categories can help you get Big Travel!

Because you can earn 7,500 Chase Ultimate Rewards points each quarter you spend the maximum $1,500 in the bonus category.

That’s 30,000 Chase Ultimate Rewards points a year, which is enough for a free night at the most expensive Hyatt Category 7 hotels!  Or you could get a one-way coach award ticket from the US to Europe on United Airlines and its partners.

Track Chase Freedom 5X Spend

Link:   Activate Chase Freedom 5X Bonus Categories

Tracking your Chase Freedom 5X bonus spending can help you earn the most rewards.  Because after you spend more than $1,500 in the bonus category, you’ll only earn 1 Chase Ultimate Rewards points per $1 you spend.

And there might be another card in your wallet that earns more.  For example the Chase Freedom Unlimited earns 1.5X Chase Ultimate Rewards points per $1 you spend on all purchases.  Or you can earn 3X Chase Ultimate Rewards points per $1 on all travel and dining purchases with the Chase Sapphire Reserve.

Here’s how to track Chase Freedom 5X spend.

Step 1 – Log-In to Chase

First, log-in to your Chase account.

Track Chase Freedom 5X Spend
Log-In to Your Chase Online Account

Step 2 – View Chase Freedom Details

Next, you’ll see a summary of all your Chase credit cards.

Make sure you’re on your Chase Freedom account.  Then, click “See details” on the right-hand side of the account summary page.

Track Chase Freedom 5X Spend
Click “See Details” on Your Chase Freedom Account Page

Step 3 – Track 5% Category Spending

Then, you’ll be able to see the rewards you earned in the bonus category for the quarter.

For example, I earned the maximum 7,500 Chase Ultimate Rewards points ($75) on department stores, drugstores, and wholesale clubs like Costco, which is the current bonus category through December 31, 2016.

Track Chase Freedom 5X Spend
Track Your Reward for Chase Freedom 5X Bonus Category Spending for the Active Quarter

Remember, after you earn the maximum rewards for the quarter, you’ll only earn 1 Chase Ultimate Reward point per $1 you spend in the bonus category.  So check your rewards to see if you have another card that can earn you more!

Bottom Line

With the Chase Freedom card, you earn 5X Chase Ultimate Rewards points on up to $1,500 in spending in rotating categories each quarter when you activate the bonus.

To track your 5X bonus category spending, simply log-in to your Chase account and view the progress each quarter.

Because after you hit the $1,500 in maximum spending per quarter, you’ll only earn 1 Chase Ultimate Reward point per $1 you spend.  So it might be better to use a different card to earn higher rewards!

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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I’m not sure but I doubt that bar includes pending bonus category charges.

BS. That bar is really unhelpful. How hard is it to show a freaking actual number? Or a percentage?

Some of us have other cards to prioritize, and really don’t need to go over.

In order to maximize the points this quarter; I would not use Freedom to buy COSTCO gift cards to max out the $1500. I would simply buy 3 Vanilla Gift cards with 3@4.95 fees at CVS or Walgreens. I can use GIFT cards wherever Visa if accepted and even get cash on it .to net 4$ rebate on spend to pay for 1% rebate items.

You are better off to use the Visa by Citi at Costco, since you are earning extra points as long as you are getting back more than 1 % .

It would be nice if Chase told you how much you’ve actually spent. The sliding green line leaves you guessing…….

I did this last quarter. I ended up ordering from to get that 5% back with a week to go to max my quarterly spend. [Edited.]