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Balance transfer fee is 5 of the amount transferred, 5 minimum.
Enjoy new 5 categories each quarter.
Q1 Home Depot and Home Furnishing Stores.My local wholesale club offers discounts up to 20 on gift card packages that we take advantage of on a regular basis.Its also possible to activate your Chase Freedom bonus categories over the phone, by email, at a Chase ATM or at any Chase location.Ultimate Rewards points can be redeemed for travel or converted to cash back at a rate of one cent per Ultimate Rewards point.Caroline Lupini Comments October 2, 2018.Tips for Maximizing Your 5 Cash Back In order to maximize the cash back from the 5 bonus categories with the Chase Freedom, you should spend 1,500 in those categories each quarter.And no limit to how much is matched.If you use this rewards tool, you can reap even more savings.If you havent used Chase Pay before, Chase will give you 5 off your first order before September 30, 2018.If driving isnt your thing, Chase Freedom has you covered with 5 cash back when using Lyft to get from point A to point.Discovers full rewards calendar for next year has also been released and includes more general categories, with Amazon being the only actual retailer named.

Both offer a bonus at grocery stores, but Chase also includes Chase Pay and PayPal, which gives it a bit of an edge.
Q2 Home Depot Home Furnishing Stores.
The inclusion of PayPal makes it easy to earn an impressive bonus for online shopping as most retailers accept the payment method.
Grocery purchases made at Walmart and Target do not qualify for the bonus.Activation can be done up to two months in advance of the new quarter through your Discover card account.When you shop online at m, you will get free shipping on orders of 35 or more.Target is off the list for 2018, as well as home improvement stores and ground telstra online mobile deals transportation, but wholesale clubs earn bonuses in the first and fourth quarters.Chase doesnt announce the full 5 rewards calendar ahead of time, but its a good idea to know the categories that they have already announced for the year and how to maximize those categories.

Those points are worth 75 in cash back.