Chase Freedom Card
Calculate how much cash back you can earn with the 5% rotating categories featured on the Chase Freedom Card.
The Chase Freedom Card is a great cash back card that features 5% cash back rotating quarterly categories. This means that every quarter, the categories in which you earn 5% cash back for will change. This usually allows you to maximize your cash back using the Chase Freedom for that given category.
Do note that you must activate your 5% rotating category every quarter. These will not activate on there own. Chase usually allows you to do this 15 days before the quarter start up until about 15 days before the quarter ends. If you do not activate the 5% category for the quarter, all purchases will be treated as non-category meaning you will earn 1% cash back. This applies to the Discover IT Card as well.
Unlike the Discover IT Card which shows its rotating categories for the whole year, Chase keeps their quarterly categories hidden until shortly before the quarter begins. This means that you will not know what lies ahead when it comes to maximizing your cash back. Luckily, Chase pretty much sticks to similar rotating categories every year so you can get an idea of what categories will be featured throughout the year. The 5% cash back offered every quarter has a combined cap of $1,500 between the featured categories. Any spend after the $1,500 will give only give earn you 1% cash back for the remainder of the quarter. Below are the known rotating categories for this year and a few years prior to give you an idea of the categories featured on this card.
- Quarter 1 (Q1) - January to March
- Quarter 2 (Q2) - April to June
- Quarter 3 (Q3) - July to September
- Quarter 4 (Q4) - October to December
Q3 2019: Gas Stations and Streaming Services
The Chase Freedom Card third quarter categories are gas stations and streaming services. Gas stations purchases are anything that codes as such while streaming services for Chase are considered to be:
- Apple Music
Earning 5% cash back during Q3 puts it at the top of the list next to other excellent cash back cards such as the PenFed Platinum (5x Points) and Ducks Unlimited Visa (5% Cash Back). With streaming services, if you have the AMEX Blue Cash Preferred, it earns 6% cash back on streaming services. If you don't have it, spending on the Chase Freedom Card is the next best thing!
Q4 2019: Department Stores, Paypal, and Chase Pay
The Chase Freedom Card fourth quarter categories are card purchases made at Department Stores and Paypal along with card purchases made through Chase Pay. Being able to earn 5% cash back on department store purchases during the winter holiday quarter is a plus, but even better than that is the ability to earn 5% on purchases through PayPal and Chase Pay. These categories provides an easy way to maximize cash back considering that you can use PayPal and Chase Pay for many types of purchases.
Below is a list of bonus categories that has been featured on the Chase Freedom Card for 2019 and 2018. This will give you an idea of what kind of categories Chase offers on a yearly basis.
|Chase Freedom Categories|
|Q3||Gas Station & Streaming Services|
|Q2||Grocery & Home Improvement Stores|
|Q1||Gas Stations, Tolls, Drugstores|
|Q4||Department Stores, Wholesale Clubs, Chase Pay|
|Q3||Gas Stations, Walgreen's, Lyft|
|Q2||PayPal, Chase Pay, Grocery Stores|
|Q1||Gas Stations, Internet, Cable, Phone Service Providers, Mobile Wallets (e.g. Apple Pay, Chase Pay, Google Pay, Samsung Pay)|
Sign Up Bonus
The Chase Freedom Card has a standard sign up bonus of $150 after you spend $500 on purchases in your first 3 months from account opening. This is a relatively easy signup bonus if you're running spend through the 5% rotating categories featured on the card.
Credit Card Fees
|Authorized User Fee|
|Foreign Transaction Fee|
There is no annual fee for the Chase Freedom Card. This means you can earn the full return of the 5% rotating categories each quarter without worrying about fees eating away at your rewards.
Authorized User Fee
There is no fee to add authorized users to the Chase Freedom Card. I recommend adding friends and family if you're trying to maximize the $1,500 per quarter cap this card has.
Foreign Transaction Fee
The foreign transaction fee for the Chase Freedom Card is 3% making this card a bad choice for international spending.
5% Cash Back Calculator
Since the bonus categories are per quarter, there is no standard calculator to support comparing the Chase Freedom side by side with other rewards cards. The calculator below will calculate the cash back you can earn in any given quarter based on spend. Remember that the bonus cap for each quarter is $1,500 ($500 per month) and that any spend after that will earn you 1% cash back for the remainder of that quarter. Once you hit the cap, it's best to switch either to a card that earns higher for that category or a card like the Chase Freedom Unlimited which earns 1.5% cash back on all purchases.
You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.
All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.
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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.
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