Chase has announced the 5% categories for Q4 2019 and it’s a good selection – PayPal, Chase Pay & department stores will all earn at the 5% rate.
Those three categories aren’t being listed on the website yet (as you can see above), but One Mile at a Time is reporting that those will be the ways you can earn 5% from October 1 to December 31.
That should make it pretty easy to max out the $1,500 limit during Q4. Everyone’s methods will likely be different, but here are a few suggestions.
PayPal is one of Discover’s 5% categories in the current quarter. I maxed out that card’s $1,500 quarterly limit a few weeks ago by making my Discover card the default payment option for my PayPal account. That included a few transactions when booking travel for 40k To Faraway to have a little extra cashback to spend on the trip, although my flights were all booked using the Chase Sapphire Reserve for its superior travel benefits.
PayPal is widely accepted on all kinds of sites, so that’ll probably be the easiest option for most people. If nothing else, you could buy gift cards from PayPal Digital Gifts to save 5% on those.
If you have a phone with Samsung Pay, you can use Chase Pay with that to get the 5% cashback. Otherwise, several stores like Best Buy, Starbucks and Shell accept Chase Pay, as does ShopRite (I think) if you have any of their grocery stores near you.
With the holiday season falling in the final quarter, I’m sure most people will have some element of spending at department stores. Paying for online transactions at these stores will have the added benefit of earning cashback through shopping portals, although some department stores are also included for in-store cashback.
For example, Macy’s and JCPenney are part of the Rakuten/Ebates in-store cashback program, but at only 1% and 2% respectively, it’s not as rewarding as the online option. Having said that, JCPenney is on the Dosh app for 3% cashback for in-store purchases, so be sure to link your Freedom card to the app if it isn’t already.
Registration for these Q4 2019 categories opens on Sunday September 15, so we’ll provide registration links for Chase Freedom and the other cards offering 5% bonuses in a couple of days.