Posted by William Charles on September 14, 2016
Credit Cards

Published on September 14th, 2016 | by William Charles

31

Chase Freedom 5% Categories For Q4 2016: Drugstores, Department Stores & Wholesale Clubs

You can now view the Chase Freedom 5% cash back categories for the fourth quarter of 2016 at this link (registration will start tomorrow). The categories will be as follows:

  • Department Stores
  • Drug Stores
  • Wholesale Clubs

quarter-4-categories

The drug store inclusion will be welcomed by many, but seems a little odd as the preview was listed as holiday shopping. In previous years that was department stores and Amazon, but given that other cards earn at a high rate on Amazon purchases and the Discover it will also earn 5% back on Amazon.com, department stores and Sam’s club for Q4 I suspect most people will be pretty happy with these categories.

Hat tip to reader David P



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Jorge Fernandez
Jorge Fernandez

Why has the warehouse category been included for 3 straight quarters? Also, does that mean we get $1500 in drugstore/department store and $1500 in warehouse club?

Nick
Nick

Does Target count as a drug or department store?

Nick
Nick

Nevermind. No Target. I will miss Amazon this year.

Lively
Lively

Buy Amazon GC at CVS or Walgreens?

Mike
Mike

You can get 5X all year round on Amazon GCs via Gyft when you pay with PayPal.

I would prefer Grocery myself. Warehouse is nice though too.

noodles
noodles

Surely you’ve been in the game long enough to know 5x UR is worth considerably more than 5% cash back.

anthonyjh21
anthonyjh21

And surely you know that 5x is the baseline as far as value is concerned and as such is the responsible way to frame his point.

Anyone in the “game” long enough knows that value is what you make of it and every situation is YMMV. I have three INK cards and earn much faster than I burn. I’ve cashed in at the *gulp* 1:1 ratio and haven’t had second thoughts. Stupid for your case? Perhaps. But I’m not you and you’re not me.

Not an Idiot
Not an Idiot

This guy is an idiot.

Jason
Jason

Can you tell me how to get 3 INK cards? I get none

anthonyjh21
anthonyjh21

Who’s an idiot? No one said anything worth being called names.

@Jason

I was lucky enough to get in before 5/24 and I’m including my wife’s card.

anthonyjh21
anthonyjh21

I was secretly hoping that Chase would go to battle with Discover again and offer 10% for Amazon in Q4. I suppose anything is still possible but I’m not holding my breath that they’ll up the ante on a store that’s not even listed within Q4.

On that same note, Amex had that crazy offer of $15 off $60 last year. Let’s just hope that that continues as we approach the holiday season.

Red
Red

Drug stores? For those considering downgrading their CSP after getting CSR this suddenly makes regular Freedom a more tempting option than Freedom Unlimited, even if you already have a regular freedom.

Aaron
Aaron

This. If you maxed out your Freedom card every quarter, you’d earn 30k UR points. To reach 30k UR on the FU, you’d need $20k of spend, vs only $6k on the Freedom.

Jeff Hix
Jeff Hix

Your “this link” above is broken.

Try https://creditcards.chase.com/freedom/calendar

Jeff H
Jeff H

The new Fourth quarter Freedom 5% signup link is open for business

https://www.chasebonus.com/

Department stores, Drug Stores, Discount Stores

Merchants Not Classified as Department Stores:
Target
WalMart
Kmart
Discount stores such as Tj Maxx
Electronics stores
General merchandise and Variety stores
Gift cards purchased at any locations other than the department stores on the inclusion list

Wholesale Clubs Related Purchase Exclusions:
Gas and Fuel
Wholesale Clubs specialty services such as travel, insurance, cell phone and home improvement.

Mike
Mike

Will this stack with shop through chase bonuses?

Adam
Adam

Any cash equivalents we can buy in drugstores?

Jason
Jason

Last time for 5% on drug store was back in 2012 I guess. This time it reminds me Paypal my cash card. I’ll try it on 10/1 and advise.

JASON
JASON

Paypal Mycash card and Vanilla Visa still work. I personally prefer PPMC as I don’t withdraw to my bank account from the paypal account that loads money directly. But it is not available in most of the stores I know about.

I used Plastiq to unload one vanilla as it needs to be registered with zip code and can be any zip code. It works perfectly fine to me. Both my Dad and I have freedom card so that’s $150 this quarter.

Radster
Radster

Vanilla VGCs at CVS are still available for purchase using CC.

Lantean
Lantean

maybe they will bring the Amazon special like they did last year.

David
David

You can just buy Amazon gift cards at drug stores. Then, amazon spending can be 5x points as well. Pretty easy to max out this one.

AlexS
AlexS

BUT…if you buy via Amazon GCs, you lose out on being able to use your CC’s price protection. I’ve gotten back ~$600 off of ~$3k spend via price protection since July. 20% off > 5x UR points.

Mist Soalar
Mist Soalar

Does anyone know jet.com come into wholesale category?

JASON
JASON

You can buy a little something from there and wait till the charges posted on your chase credit card

Mist Soalar
Mist Soalar

FYI, Jet.com on my CSR was coded as “Online Mall”, I guess it won’t count for 5% bonus on Freedom.

Jason
Jason

I had my first freedom card in 2012 and freedom unlimited this year. Requested a product change from freedom unlimited to freedom last week, login today and see it allow me to activate this quarter’s 5%bonus, so I have 2 freedom cards now.

The freedom unlimited card was good for its sign up bonus, and then earns everything else at 1.5% but got to wait till the statement posted. I also have 1.5% Capital One but it can be redeemed for credit/cash back any time! So don’t need unlimited card anyway. So now my quarter limit is $3000 which is $150 cash back!

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