Last Chance to Earn 5x at Grocery Stores and More!

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The card I have had in my wallet the longest is the Chase Freedom®,  and it isn’t one that I just get and then stash away, but it is one I use on a regular basis.  I had another now non-existent rewards card I turned into the Freedom years ago, and it is now one of my favorites as it offers 5x points with no annual fee.

Those points can be used like cash back at a rate of one point = one cent, or you can probably do much better than that if you also have a Chase Sapphire Preferred® Card or Ink Plus® Business Card since the points earned on the Freedom then become transferable to all the Ultimate Rewards transfer partners like United, British Airways, Hyatt, Singapore, Marriott, Southwest, and more.

Deadline to activate first quarter 5x bonus:

What makes this card one to regularly use is the rotating 5x bonus categories each quarter that you can utilize up to the $1,500 5x max.  For many that means 30,000 points per year for just $6,000 in annual spending.  During the first quarter of 2015 those 5x bonus categories are grocery stores, Starbucks, and movie theaters.

I’m writing about the 5x bonuses now because the last day to activate the 5x bonus is tomorrow, March 14th.  As long as you activate the bonus by tomorrow you get 5x bonus dating back to January 1st, but if you don’t activate the bonus by tomorrow you will miss out on 5x for the entire first quarter.

Make sure you maximize the $1,500 limit:

With grocery stores on the list, that should be an easy 7,500 points for just $1,500 in spending for most of us as long as you keep track of your 5x spending!

Chase BluePrintIf you aren’t sure how much you have spent in those bonus categories this quarter this post and this post should help you come up with a total you have spent in the bonus categories pretty quickly.  A quick look at my spending in the three bonus categories shows that I still have about $500 to spend in the 5x bonus categories by the end of the month to get to the $1,500 max, which should be pretty easy at the grocery store even if we don’t need another $500 in groceries before the end of the month!


No matter if you are able to max out the $1,500 maximum or not, just be sure to activate the 5x by tomorrow!

Editorial Note: The opinions expressed here are mine and not provided, reviewed, by any bank, card issuer, or other company unless otherwise stated.

Disclaimer: The comments 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.


  1. Years ago, Kroger use to be #1 chain locally and then the company closed all the St. Louis stores, the bakery and the warehouse. Supposedly company management got tire of dealing with the unions demands.

    Just over an hour drive west and over in IL there are Kroger stores in rural towns. Even further west there are Gerbes stores in the Columbia, MO area and then Dillion’s stores, both in western MO and eastern KS. While it been some time since I visit any of these Kroger stores, none had gas pumps.

  2. One thing I just wanted to share, I had planned to max out this bonus by buying hotel gift cards for an upcoming trip to Dubai. However, once I actually found Hyatt gift cards at my local supermarket, the fine print said they are only accepted at US locations.

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