Chase Freedom Cash Back Categories

The Chase Freedom credit card is my favorite $0 annual fee card, largely because of the chase freedom cash back categories that change quarterly. Chase just announced the 5% cash back bonus categories for 2016.

Chase Freedom Cash Back Categories

You can earn up to 5% cash back on up to $1,500 in combined purchases each quarter in the above categories. You also earn unlimited 1% cash back on all other purchases.

The Freedom card is a great sidekick to the Chase Sapphire Preferred card because it allows you to combine your points and then transfer them to airline and hotel programs which gives you better value per point. If you use the points for cash back, you’ll only get 1 cent/point in value. However, when you redeem your points for travel with Ultimate Rewards transfer partners, you can get a much higher value per point.

Having a $0 annual fee card like the Freedom card is not only great for how rewarding it is. It is also great for your credit score. Since it is a $0 fee card, you can keep it open forever which increases the average age of your accounts. This is one of the fundamental factors that affect your credit score. 


Bottom Line:

If you don’t have the Chase Freedom card you can apply for it here. This is a great – $0 annual fee – card to always have in your wallet for the rotating quarterly 5% cash back promotions. It is also a great supplement to the Chase Sapphire Preferred card in order to be able to transfer Ultimate Rewards points to several airline and hotel programs.


If you have any questions please tweet me @pointspointers or email me at