Chase Freedom 3rd Quarter bonus categories amazon whole foods
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For the uninitiated, the Chase Freedom Credit Card is an essential part of what is known as the Chase Trifecta. It earns 5% back on rotating quarterly bonus categories.

Chase Freedom 3rd Quarter bonus categories amazon whole foods

The trifecta includes either the Chase Sapphire Preferred or Chase Sapphire Reserve, the Chase Freedom Unlimited, and the Chase Freedom. This gives you the ability to transfer points to airlines and hotels (Preferred / Reserve), the ability to earn 2-3X points on travel and dining (2X with the Preferred and 3X with the Reserve) the ability to earn 1.5X points on non-bonused spend (the Unlimited), and then 5X points on rotating quarterly rotating bonus categories with the Chase Freedom.

If you are in a cash crunch, you should avoid travel rewards credit cards until you are caught up. Here are our favorite credit cards for Intro 0% APR offers and for balance transfer offers


The Chase Freedom quarterly categories for July 1, 2020 – September 30, 2020 are as follows:

5X Chase Ultimate Rewards Points (for up to $1,500 in total spend) on:

  • Whole Foods

This a a great quarterly category set. Current the Chase Sapphire Reserve earns 5% at grocery stores, and grocery stores were in the 2nd Quarter Freedom bonus categories, but with that all ending June 30th, you’ll be able to

chase freedom

continue to earn 5X Chase Ultimate Rewards points back on grocery spend, although only at Whole Foods.

Amazon is clearly the better bonus category, though. I personally buy everything via Amazon that I can, simply because it’s so easy and quick, especially as a Prime member.

Even if you spend less than $1,500 over 3 months at Amazon, you can buy an Amazon gift card from to use in the future. Or, you can buy 3rd party gift cards from Amazon as well. (Just note you can’t buy an Amazon gift card now and use that to buy a 3rd party gift card later).

For me, this is an easy $1,500 Amazon gift card purchase and I can forget about it….

If you already have the card, just head here to register.

If you don’t, you’ll first need to get the card and then you’ll be able to register.

It’s generally advised to max out the quarterly categories one way or another, as the only other way to earn 5X Chase points is from buying Office Supplies (for instance, gift cards) with the Chase Ink Business Cash.


Do you max out your Chase Freedom rotating categories each quarter?

Let me know here, on Twitter, or in the private MilesTalk Facebook group.

You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards

New to all of this? The MilesTalk “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.

I got "in the game" in 2003 and since then I've collected literally millions and millions of frequent flyer miles and hotel points. I've flown around the world in first class seats that would cost $29,000 using frequent flyer miles and a few bucks in tax. And I've stayed in some of the finest hotels - all for free! A few years ago I realized many of my friends actually thought I was paying for these!! So I started sharing my tips. It's long been a passion, but when I hosted a session on Miles and Points at this year's South by Southwest festival, my love of the game intensified and this blog was born.


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