Advertising Disclosure *Advertising Disclosure: is an independent, advertising-supported comparison service. receives compensation from the credit card issuers whose credit card offers appear on the website. The compensation may impact the order in which they appear within listing categories. does not include the entire universe of available credit or financial offers.

About Editor's Picks: Our editor selects credit cards based on the features the credit card offers consumers, including introductory rates, fees, long term interest rates, and its relative value compared to competing offers. While this site receives remuneration from credit card companies, our rankings strive to objectively provide consumers with relevant, unique options.

Time To Activate Chase Freedom 5x Bonuses For The Third Quarter

Smart Balance Transfers provides in-depth information and insights into credit cards. While we do accept Smart Balance Transfers provides in-depth information and insights into credit cards. While we do accept compensation from credit card companies when consumers visit their websites, we have striven to provide unbiased reviews since 2007.

Chase is one of the largest issuers of reward credit cards, and its Freedom card is one of its most popular products. Each quarter, Freedom cardholders are eligible to receive five points per dollar spent at specific stores and merchant categories, for up to $1,500 a quarter. After that, the standard one point per dollar rate applies. But there is one catch; cardholders must go online to “activate” these categories. Fortunately, this can be done even before the

Activate Q3 2013 Categories Now

Starting June 15, 2013, cardholders can go online and activate their bonus categories. For the third quarter of 2013, July 1st through September 30th, these categories include gas stations, theme parks, and Kohl’s stores.  Fortunately, cardholders have until the end of the quarter to register, and the bonuses still apply retroactively. Nevertheless, it is still a good idea to register now as it is quick, simple, and free to do.

How much can you save?

If a cardholders spends the entire $1,500 that is eligible for the 5x bonus, that would be 7,500 points, worth at least $75.  Or, another way of looking at this is that the cardholder will save an additional $60 worth of points over what he or she would have earned at the standard rate of one point per dollar.

Stretching your points further

There is one trick that cardholders can use to gain even more value from their points. By earning points with their Chase Freedom, and then transferring those points to a Chase Sapphire Preferred card account, the points can then be transferred to the programs of ten different airline and hotel partners plus Amtrak Guest Rewards. And when these points or miles are used for luxury travel, it is even possible to receive more than five cents in value per point! Holders of the Ink for business cards and the Palladium card also have this option.

By understanding how to activate and utilize the Chase Freedom bonus categories, cardholders can earn more points, and more valuable rewards than they may have thought possible.

You can learn more about this offer and apply online below.

  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • Unlimited 1% Cash Back on every purchase
  • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
  • You'll enjoy new 5% categories every 3 months like Gas stations, Restaurants and It's free and easy to activate your bonus each quarter!
  • No annual fee and rewards never expire as long as your account is open
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed

0% for 15 months*

0% for 15 months*

13.99% - 22.99% Variable*



Editor's Note: This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the Citi or any of the other companies whose products are featured in this content.

About the author

Jason Steele

Jason Steele is a freelance journalist specializing in personal finance and travel and is recognized as an expert in credit cards. He is a regular contributor to many of the top personal finance sites such as Wise Bread and Money Talks News. His work has been frequently carried on mainstream news outlets such as MSN Money, Yahoo, Finance, and Business insider.

Jason lives in Denver Colorado with his wife and two daughters.

– has written 350 posts.

Leave a Comment

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Previous post:

Next post: