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The Chase Freedom Q4 5X 2023 categories are PayPal, Wholesale Clubs, and Select Charities. Activate your Chase Freedom 5X bonus in order to earn 5X for the above categories October-December, 2023, for up to $1500 of combined spend per enrolled card. PayPal is likely to be the most useful one for many, as it can be used at many online stores, including Target, Walmart, Best Buy, eBay, Ikea, Etsy, LEGO, and others.
The Wholesale Clubs category includes Costco, Sam's Club, and similar that categorize consumer spend as wholesale clubs, although note that certain purchase are excluded: fuel and wholesale specialty service purchases such as travel, insurance, cell phone and home improvement. Also, Costco does not accept MasterCard for in-store purchases.
For charities, the following qualify, although donations to certain local chapters may not earn 5X due to the way some local chapters process donations:
American Red Cross
Equal Justice Initiatives
Feeding America
Habitat for Humanity
International Medical Corps
International Rescue Committee
Leadership Conference Education Fund
NAACP Legal Defense and Educational Fund
National Urban League
Thurgood Marshall College Fund
United Negro College Fund
UNICEF USA
United Way
World Central Kitchen
GLSEN
Out and Equal
Sage
To maximize the value of the Chase Freedom 5X bonus, you'll also need a Chase Ultimate Rewards card such as the 100K Ink Business Preferred or the 60K Chase Sapphire Reserve, so that you can transfer points out to airline frequent flyer programs such as United MileagePlus, British Airways Executive Club, Singapore KrisFlyer and others.
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Best Uses of Chase Ultimate Rewards Points
It's best to diversify frequent flyer miles, focusing on transferable bank points such as Chase Ultimate Rewards or AMEX Membership Rewards points, as a hedge against the frequent devaluation of airline frequent flyer programs (for example the United MileagePlus award devaluation earlier in 2023 and the Alaska Airlines Mileage Plan and Virgin Atlantic Flying Club no notice devaluations of JAL awards and ANA awards, respectively).
We typically earn 3X-5X Ultimate Rewards points per dollar on most of our major spend, due to Chase Freedom 5X quarterly bonuses and 5X from our Ink Cash and old Ink Plus card on cell phone, Internet, as well as gift cards, as well as 3X on all travel and dining via the Chase Sapphire Reserve. That's made it worthwhile to sometimes transfer points to United MileagePlus (even with the devaluations) to book SWISS Business Class, Brussels Business Class, Austrian Business Class and SAS Business Class, as well as United Polaris flights to Hawaii. We also take advantage of the periodic Chase Ultimate Rewards 30% transfer bonus to British Airways Executive Club and Iberia Plus, which has helped us book Iberia Business Class at good rates.
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