My favorite thing about every quarter almost ending is that we get to find out what the new categories are for the Chase Freedom card. Unlike the other companies that offer a 5% rotating category card, Chase likes to keep us in the dark until ~ 2 weeks before the start of the next quarter. To me, it’s a little annoying, but it is what it is at this point in time.
Being that we are closing in on Q4, Chase has finally announced what those categories are slated to be!
The Categories and How to Maximize Them
There are 3 different categories that you can expect to earn 5% for in the coming months. The categories are listed below:
Paypal, Chase Pay, Department Stores
Paypal: Make sure to add the Chase Freedom to your paypal account. Whenever you have the option to pay for something using paypal, change the payment method to your Freedom card and you should earn the points. Alternatively, if you do not have a paypal account, I’m sure that checking out as a guest, and paying for your purchase with the Freedom card using paypal will also trigger the points. This category should be pretty easy to max out for those of you that shop online often. Paypal is usually an option when buying things, so double check before you buy anything if you can use that method of payment and you should maximize the category in no time; especially with holiday shopping towards the end of the quarter!
Chase Pay: This one is a bit of a surprise to us, because just recently, Chase announced that they were getting rid of the Chase Pay app in 2020. That’s not to say that the service is going away, just the dedicated app.
Regardless, if you happen to have a Samsung phone, this will be an absolute easy quarter for you. Download the Chase Pay app, and when you add your Freedom card, you’ll be able to pay. Because of the partnership between Chase Pay and Samsung Pay, you’ll be able to get points at just about anywhere that lets you swipe a credit card. If you don’t have a Samsung phone, it may be more difficult to use this category. However, there are a few places that do take Chase Pay including Best Buy and 76 Gas stations.
Department Stores: I’m wondering if adding department stores is a jab at the American Express Blue Cash Preferred recently removing it as a category? Probably not, but that’s what I first thought! Using your Freedom card at any department store will earn you 5% back. If you are an avid department store shopper, this one should be pretty easy to hit, especially considering the cost of department stores. Keep this card in mind when your store of choice does their Black Friday/Christmas sales.
Activating Your Offer + Last Minute Q3
As always, in order to earn 5% back for the quarter, you will have to activate the offer on your card every quarter. The easiest ways to do so are online / through the Chase app. Alternatively, you could also call in to activate the offer.
Being that there are a couple of weeks left, if you haven’t already maximized out your Q3, this is your last chance. The categories for Q3 are gas stations and streaming services. Worst comes to worst, check out your local gas stations and see if they sell any giftcards that you can use at a later date. If they do sell giftcards and let you pay with a credit card, those purchase will count as a gas station purchase.
Overall, this will be a pretty easy quarter for me to max out. Just using Chase Pay/Samsung Pay alone will allow me to cruise on by. Every time I purchase something in person, I’m using Samsung Pay. If you do not have a Samsung Pay capable phone, this quarter may be a little bit more difficult to hit. However, with all of the black friday/ holiday shopping around the corner, this could be a very easy way to get either some Paypal or department store purchases.
Remember, there is a $1,500 cap on each quarter. If you haven’t already maxed out that cap for Q3 yet, there is still some time for you to do so. Just try not to wait too long! If you’re still far from maxing out, there’s always the gift card at gas station route.
What do you think about the Q4 categories? Do you think you can max them out without too much of an effort? Let us know below!