Chase Freedom Adds Another 5X Category for Quarters 3 & 4 & It’s A Good One!

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Links in this post may provide us with a commission.

Chase Freedom Wholesale Clubs 2016

Chase hasn’t exactly been forthcoming with the quarterly bonus categories on their Freedom card for this year. As of now the following incomplete calendar is available on their site:

chase freedom wholesale clubs 2016

Today though they announced (covered first on Frequent Miler) the following expansion of their bonus categories for the rest of the year:

With the Costco credit card acceptance changing to Visa on June 20, including those issued by Chase, Chase Freedom is announcing that it will continue to offer the 5% cash back category of Wholesale Clubs through the end of the year. Chase Freedom cardholders earn 5% cash back each quarter on up to $1,500 in combined purchases from Wholesale Clubs, including Costco®, BJ’s® and Sam’s Club®, and other additional rotating quarterly categories.

What This Means

To be clear, Chase is simply adding Wholesale Clubs to their 3rd quarter and 4th quarter bonus categories. (It is already a category for the 2nd quarter.) This means 5X earnings at Wholesale Clubs are subject to the normal $1,500 per quarter restriction. With this news, here are what we can look forward to for the rest of the year:

  • Quarter 3: Restaurants and Wholesale Clubs. (Possibly more to be announced.)
  • Quarter 4: Online shopping and Wholesale Clubs. (Possibly more to be announced and we need clarification on exactly what falls under online.)

Why This Is Good

It can be hard to max out a category like restaurants, especially given the prevalence of discounted gift cards and other factors. Some people even have multiple Freedom cards which makes it more difficult. Given that a lot of Wholesale Clubs have fairly desirable gift cards (Visa, MC & others), this is a positive move, especially considering Costco is in the mix as well.


This isn’t a huge move, but it should make it quite a bit easier to max out the category bonuses for your Freedom card(s) the rest of the year.  Since we have five Freedom cards in my household, this is a welcome change and one that will encourage me to visit my local Costco a bit more often.

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



Please enter your comment!
Please enter your name here