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The no-annual-fee Chase Freedom has rotating 5x points bonus categories that change each quarter and can result in 30,000 points a year for just $6,000 in spending if you max out each quarter’s $1,500 max. For some that is super easy to do, but for others it can be harder (or virtually impossible) based on what the bonus categories are and your level of spending in those categories.
The second quarter 5x bonus categories that will end on June 30th are restaurants, Overstock.com, and Bed, Bath, and Beyond (you must have already activated the 2nd quarter bonuses to be eligible). Recently I checked our level of spending at restaurants since the quarter started on April 1st using the Chase Blueprint feature, and saw that we were on track to come up several hundred dollars short of the $1,500 5x max for the quarter. We didn’t have any Overstock.com H&M, or Bed, Bath, and Beyond purchases at that point either it all came down to our restaurant spending.
However, not wanting to leave 5x points on the table (and wanting to do a little experiment to potentially help some of you), I took a trip to Bed, Bath, and Beyond to see what all they sold that I might “need”. Of course if you are in the market for linens, towels, kitchen gadgets, shopping off someone’s wedding registry, or even Keurig coffee refills, they have you covered. However, I didn’t need any of that other than some coffee refills for my husband, so I was out of luck until I walked past the gift card aisle. I can usually always find something I “need” on that aisle.
The Bed, Bath, and Beyond gift card aisle at my particular local store had gift cards to retailers and restaurants such as: Panera, Outback, Cheesecake Factory, Subway, Jamba Juice, AMC Theaters, Starbucks, Fandango, Regal, and iTunes. If you don’t need a gift card to a specific retailer they also had Visa, MasterCard, and Amex gift cards in amounts ranging from $25 – $200. The one I got was a $200 Visa gift card issued by Sunrise Bank with a $6.95 activation fee.
This info won’t help everyone, but it may help some of you so be sure to check out your local Bed, Bath, and Beyond stores if you are in the market for linens, kitchen gadgets, or even a gift card or two.
Remember you can transfer the points earned by the Chase Freedom to Ultimate Rewards hotel and airline partners if you also have the Ink Bold Business Charge Card, Ink Plus Business Credit Card, or Chase Sapphire Preferred® Card.
Editorial Note: The opinions expressed here are mine and not provided, reviewed, by any bank, card issuer, or other company unless otherwise stated.