How to Earn 5x Points at Restaurants and Much More!

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Today is March 15th, so it is now time to activate the second quarter 5x bonus categories on the Chase Freedom®In fact, if you only do one miles and points related activity today, make it to activate this 5x bonus so you don’t accidentally miss out on three months of 5x points!

2015 Second Quarter 5x Freedom Bonus Categories:

The 5x bonuses for the second quarter of 2015 are:

  • Restaurants
  • Bed, Bath, and Beyond
  • H&M

Especially for busy families, it is important to point out that for restaurants they mean not just sit-down restaurants, but also grab and go or fast food places like Auntie Anne’s, Au Bon Pain, Chick-Fil-A, Five Guys, Starbucks, and more.  They also point out that some merchants that sell food and drinks located within larger merchants such as sports stadiums, hotels and casinos, theme parks, and department stores may not be included in this category.  It all comes down to how the type of retailer codes on the back-end.

H&M and Bed, Bath, and Beyond will earn 5x not just in the physical stores, but via the online stores, too.  I truthfully haven’t visited a Bed, Bath, and Beyond in a while, but I have read via many sources that Bed, Bath, and Beyond stores often sell many other popular types of gift cards, too!  I’ll try to go and visit a Bed, Bath, and Beyond soon to scope that out for myself.

Earn 5% Cash Back or 5x Transferable Points:

As always you get 5x on the first $1,500 in combined purchases in those categories (if you register) and then 1x on other purchases.  You see this advertized as 5% cash back, but if you also have a Chase Ultimate Reward earning card like the Chase Sapphire Preferred® Card or Ink Plus® Business Card then what you earn on the Chase Freedom can become valuable transferable Ultimate Reward points that can go 1:1 to hotel and airline partners like United, Hyatt, Southwest, British Airways, Singapore, Marriott, and more.

You have until June 14th to activate the second quarter bonus, and from April 1 – June 30, 2015 to utilize these new 5x bonus categories.  Assuming you already activated the first quarter 5x bonus categories of grocery stores, Starbucks, and movie theaters you have until March 31st to continue working toward the $1,500 max in those categories.

How do you plan to utilize 5x via the second quarter bonus categories?

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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. Does the Bed Bath & Beyond bonus also include the companies they own (such as Buy Buy Baby)?! As a father of a toddler, that would be great!

  2. For BB&B, make sure to use one of their coupons – usu either 15% off or a fixed dollar amount – that they send in the mail. Store associates have always accepted the expired coupons. They have a great return policy, too, which makes it one of my favorite stores for kitchenware. Not as expensive as Williams-Sonoma, and a pretty good selection. MP, online they sell baby gear, and through points portals I’ve gotten some great deals. Worth checking out to see if you can triple-dip!

  3. I guess we should throw like a hundred bucks on Starbucks gift cards on me and my wife’s apps. We dont prefer Starbucks, but always end up there in a pinch. I’m assuming that would count as restaurants?

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