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Introduction
If you’re someone who loves to earn cashback on all your purchases, then the Chase Freedom Cash Back Calendar is something you should definitely be aware of. This calendar helps you plan your spending for the year by highlighting the categories that earn you the most cashback. In this article, we’ll take a closer look at the Chase Freedom Cash Back Calendar for 2023 and what you need to know about it.
What is the Chase Freedom Cash Back Calendar?
The Chase Freedom Cash Back Calendar is a schedule of spending categories that earn you cashback rewards when you use your Chase Freedom credit card. The calendar changes every quarter, and Chase announces the categories a few weeks before they go into effect. This allows you to plan your spending and maximize your rewards.
What are the Categories for 2023?
The categories for 2023 are as follows:
- January-March: Grocery stores, internet, cable, and phone services
- April-June: Gas stations, home improvement stores, and select streaming services
- July-September: Restaurants and hotels
- October-December: Department stores, PayPal, and Chase Pay
How Much Cash Back Can You Earn?
The amount of cashback you can earn depends on the category and the quarter. For example, in the first quarter, you can earn 5% cashback on up to $1,500 in combined purchases for grocery stores, internet, cable, and phone services. This means you can earn a maximum of $75 in cashback for that quarter.
What Do You Need to Do to Earn Cashback?
To earn cashback, all you need to do is use your Chase Freedom credit card for purchases in the eligible categories. You don’t need to sign up or activate anything โ as long as you’re using your card in the right categories, you’ll earn cashback automatically.
Are There Any Limitations or Exclusions?
Yes, there are a few limitations and exclusions to keep in mind. First, you can only earn cashback on up to $1,500 in combined purchases per quarter for the eligible categories. After that, you’ll earn 1% cashback on all purchases. Second, the categories may not include all merchants that fit the description. For example, some grocery stores may not be eligible for the first quarter. Lastly, the categories can change at any time, so it’s always a good idea to check the calendar regularly.
Is the Chase Freedom Card Right for You?
If you’re someone who spends a lot in the eligible categories, then the Chase Freedom card can be a great way to earn cashback rewards. However, if you don’t spend much in these categories or if you’re looking for a card with other benefits like travel rewards, then this card may not be the best fit for you.
Conclusion
The Chase Freedom Cash Back Calendar can be a valuable tool for anyone looking to earn cashback rewards on their purchases. By planning your spending around the categories, you can maximize your rewards and get the most out of your credit card. Just remember to keep the limitations and exclusions in mind, and check the calendar regularly for updates.
Question and Answer
Q: Do I need to sign up for the categories each quarter?
A: No, you don’t need to sign up or activate anything. As long as you’re using your Chase Freedom card for purchases in the eligible categories, you’ll earn cashback automatically.
Q: Can I earn cashback on purchases outside of the eligible categories?
A: Yes, you can earn 1% cashback on all purchases outside of the eligible categories. However, if you want to maximize your rewards, it’s best to focus on the categories that earn you 5% cashback.
Q: Can the categories change throughout the year?
A: Yes, the categories can change at any time. Chase typically announces the categories a few weeks before they go into effect, so it’s always a good idea to check the calendar regularly.