A budgeting app like Mint can also help you keep track of your spending within certain categories. Your credit card statement should show you the rewards you’ve earned each month. That way, you can switch to a card that gives you more points per dollar once you reach the $1,500 spending cap for the 5% cash back rewards. It’s often a good idea to track your spending in the bonus categories. Even if you activate your rewards the day before the deadline, all your eligible purchases dating back to the beginning of the quarter will be counted. However, it doesn’t really matter when you activate the categories, so long as you do so before the deadline. Chase will even help you set a calendar reminder to make sure you don’t forget. Remember, you can only earn those sweet rewards points if you activate the bonus categories before the deadline. ATM: While making a cash withdrawal, you can activate your Chase Freedom bonus categories with just one click.Visit a Chase location: If you want to talk to someone in person, a personal banker at any Chase location can assist you.Phone: You can get assistance with the activation of your bonus categories from a human if you call the number on the back of your card.From there, you’ll just need to click the link in the email. Email: Chase allows you to provide your email address to receive an email reminder when it’s time to activate your bonus categories.Online: Visit /freedom and click “Activate your 5%.” From there, you’ll be prompted to enter your last name, the last four digits of your card number, and your billing zip code.There are a few ways to activate your Chase Freedom and Freedom Flex bonus categories each quarter. Gas stations internet, cable, and phone services select streaming services (includes Netflix, Sling, Vudu, FuboTV, Apple Music, SiriusXM, Pandora, Spotify, Hulu, and ESPN+) Grocery stores, gym memberships, and fitness club memberships Select streaming services internet, cable, and phone services and wholesale clubs Gas stations, home improvement stores (like Home Depot and Lowes) Grocery stores (excluding Target and Walmart) and select streaming services Walmart, PayPal (qualifying purchases made using PayPal at Walmart will only earn a total of 5%) Grocery stores (excluding Target and Walmart) and eBay Gas stations, car rental agencies, movie theaters, and select live entertainment Here’s a look at some of the past categories in the Chase cashback calendar: While we can’t predict the future quarterly bonus categories, it’s likely a safe bet that they’ll include retailers and services many shoppers use frequently. PayPal, wholesale clubs, and select charities (qualifying PayPal purchases in other categories will only earn a total of 5%) Gas stations, electric vehicle charging, and select live entertainment Grocery stores (excluding Walmart), Target, and fitness clubs & gym memberships If the 5% cash back offer beats the rewards you’ll get with other cards, you’ll want to put purchases in the bonus categories on your Chase Freedom or Freedom Flex card. It’s important to be aware of the current Chase Freedom and Chase Freedom Flex bonus categories, especially if you use other credit cards as well. What are the 2023 Chase Freedom bonus categories? So you can turn it into a statement credit, gift cards, travel, or shop on Amazon. You can redeem your cash back from the bonus categories like you would any other cash back that you earned. That means you could potentially earn $75 in rewards per quarter, after which you’ll continue to earn unlimited 1% cash back on all other purchases. Once the category is activated, you’ll earn 5% cash back on up to $1,500 in purchases made within the bonus categories. You’ll need to activate the bonus cashback categories in your account by the indicated deadline. Prior to each quarter, Chase releases one or more bonus categories that will earn 5% cash back for those three months. How do Chase Freedom’s rotating bonus categories work? Is the Chase Freedom Flex card right for you? What are the 2023 Chase Freedom bonus categories?.How do Chase Freedom’s rotating bonus categories work?.
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