If you have the Chase Freedom Flex or Chase Freedom card, it's that time again—time to select your 5x points category for the upcoming quarter! These categories allow you to earn 5% cash back (or 5 Ultimate Rewards points per dollar) on everyday spending, making it an excellent opportunity to boost your rewards. Let’s walk through what you need to do to take advantage of this offer.

Why Choose a 5x Category?

Chase’s rotating 5x categories are one of the best ways to maximize your rewards. Each quarter, you can earn up to $75 cash back or 7,500 points by spending up to $1,500 in the selected categories. Over a year, that's a potential 30,000 points just from these categories alone, all without an annual fee.

How to Register for Your Q4 Categories

1. Log in to Your Chase Account: Head to the Chase website or open the Chase mobile app.
2. Find the Activation Link: Look for the prompt to activate your 5x categories for Q4. This is usually found on your account dashboard or in the Ultimate Rewards section.
3. Activate: Simply click to activate. You’ll receive a confirmation that your card is now enrolled for the new quarter.
4. Start Spending: From October 1st to December 31st, use your card for purchases in the selected categories to earn 5x points.

Q4 2024 Categories: Earn More on Everyday Purchases

For the final quarter of 2024, you can earn 5x points in the following categories:

• PayPal: Use PayPal for online shopping, bill payments, or even donating to charity to earn points effortlessly.
• Pet Shops and Vet Services: Perfect time to take care of your pet needs, from food and toys to vet check-ups.
• McDonald’s: Treat yourself to your favorite meals and earn points while doing so.
• Select Charities: Make a difference by donating to select charities and earn rewards for giving back.

Tips to Maximize Your Earnings

• Plan Ahead: Review your upcoming expenses and see where you can use these categories to your advantage.
• Combine with Other Offers: Use PayPal for purchases that also offer cash back or discounts for double-dipping on rewards.
• Track Your Spending: Keep an eye on your spending to ensure you reach the $1,500 cap but don’t exceed it unnecessarily.

Why Ultimate Rewards Points Are Valuable

Earning 5x points isn't just about getting 5% back. Ultimate Rewards points are flexible and can be worth even more when redeemed for travel through the Chase portal or transferred to airline and hotel partners if you hold a premium Chase card like the Sapphire Reserve or Preferred.

Not Sure What to Spend On?

If you're struggling to find ways to use these categories, consider:

• Stocking up on essentials
• Buying gift cards for future use
• Prepaying for services

These strategies can help you hit the $1,500 limit more easily.

Don't Miss Out

Remember, you need to activate the categories to start earning 5x points. It’s a quick and easy process that can significantly boost your rewards potential. So, don't wait—log in to your Chase account and activate your Q4 categories today!