Credit Cards

Fantastic categories: Chase Freedom 4th quarter bonus categories revealed

a plane with seats and people in the back

We may receive a commission when you use our links. Monkey Miles is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as and CardRatings. This relationship may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Monkey Miles is also a Senior Advisor to Bilt Rewards. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit to learn more Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

We are bigtime Chase Freedom fans, and by the book, the Chase Freedom is a cash back card, but we know there’s something better… This card is a point making machine when combined with another Chase card that earns premium Ultimate Rewards. How? You can earn 5x points/cash back on up to $1500 worth of spend each quarter on bonus categories. This next quarter presents a great opportunity to earn the full bonus, especially during the upcoming holiday season. So what are these new bonus categories? According to DOC, they will be….

Chase Freedom 4th Quarter 2018 categories

  • Wholesale Clubs
  • Department Stores
  • Chase Pay

One thing I often forget, or at least don’t prioritize is using Chase Pay. I’ll certainly pay far closer attention to this starting in October, and also look to buy my year’s worth of contacts at Costco to earn 5x points on them. Who knows… maybe I need a new tv as well. OLED anyone? This should be a great quarter to easily max out the bonus categories and earn 7500 Ultimate Rewards. BYAH!

Don’t have a Freedom?

Widget not in any sidebars

The Feature Pic is from EVA’s Royal Laurel Business Class. One of the best in the sky.

I used Ultimate Rewards to transfer into Singapore Airlines to access this award. Cost just 27,500 miles and was an incredible way to fly intra-asia. If you were to maximize each quarter’s $1500 bonus category you’d end the year with 30k miles, more than enough to experience the same route as I did.

I guess this will do 😉

a stuffed animal on a seat

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

a blue credit card with blue lines and white text

Learn More

Affiliate LInk

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® is a great starter card that earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based including Hyatt, Southwest, United, IHG, and Marriott.

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 

Annual Fee


Points Earned

Transferrable Chase Ultimate Rewards

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
    • That’s $750 when you redeem through Chase Travel℠
  • 5x on all travel purchased through Chase Travel℠
  • 3x on dining, including eligible delivery services for takeout & dining out
  • 3x on select streaming services
  • 3x on online grocery purchases
    • (excluding Target, Walmart and wholesale clubs)
  • $50 Annual Chase Travel Hotel Credit via Chase Travel℠
    • The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
  • 2x on all other travel
  • 10% Anniversary Bonus
    • Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
  • Chase Sapphire Preferred continues to redeem at 1.25c in the Chase Travel℠ and the slew of other benefits remain in tact including Auto Rental Collision Damage Waiver ( primary ), purchase protections, etc.
  • Points are transferrable to 14 Ultimate Rewards partners
  • Redeem in Chase Travel℠ for 1.25 cents per point
  • No foreign transaction fees
  • Suite of Travel and Purchase Coverage
    • Auto Rental Collision Damage Waiver is my favorite
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024
  • $95 Annual Fee

We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.

Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.

If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex®  and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners

Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.

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


  • […] benefits, earn rates, and actually improves the value of the points I earn on other cards like my Chase Freedom and Ink Business Cash by allowing them to convert into fully transferrable Ultimate Rewards.  […]

  • JJ September 13, 2018

    The monkey in the lie-flat bed is sooooo cute. I love it!

  • Ed. C September 13, 2018

    Chase Pay isn’t that great unless shopping online, for me anyway. Only merchants around here that take it are Starbucks (never go there) and a couple of gas station chains that up charge for credit card purchases. Samsung Pay, however I’ve been able to use just about everywhere.

    Unless I’m missing something.

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.