Chase Freedom Q1 2021 Categories REVEALED! – The Credit Shifu

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Hey credit warriors, well tomorrow Chase will announce the Q1 categories for the Chase Freedom and Freedom Flex, but I have a way to find out one day before you all receive the emails, so we will go through the quarter one categories in just a moment, but first a little reminder on the quarter 4 categories that we still have some time to use up. They are Walmart and paypal.

So this means you can earn 5% cash back which is convertible into 5x UR points if you have a sapphire or ink card, on up to $1500 of spending in those categories in quarter 4 2020.

Now if you have paypal key, which is a virtual card that you can use anywhere online that mastercard is accepted, you can run your Freedom Flex through that and then every transaction is a paypal transaction and gets 5%. You may want to check it with a small transaction first to make sure it is getting 5%, but I have seen multiple reports that it does indeed work. Or just do your grocery shopping at walmart and you could even buy some gift cards for spending you will do in the new year, just to max it out. This is especially useful if you have just got the Freedom Flex, because you have 15 months 0% APR, so you could carry a balance by pre paying for things through buying gift cards and not pay any interest.

I haven’t maxed it out yet, so I may well end up doing that before the end of the year.

Now, on to quarter one of 2021. Are you ready? The categories are…

Wholesale Clubs
Internet, Cable, & Phone Services
Select Streaming Services

Now out of these, the one that really interests me is wholesale clubs, since the others tend to be quite small bills, Netflix is like $14 a month, that is only $42 for the quarter. Also changing your card with your phone provider is a hassle, you may forget to change it back, that is what Chase wants! But if I go do my grocery shopping at sam’s club, I can easily max it out in a few weeks! So my strategy for this will definitely be shopping at wholesale clubs.

Now do remember that you need to activate these categories, you will be able to activate them from tomorrow onwards. The chase freedom and the freedom flex both have the same categories, even though the Freedom isn’t available to new card members anymore.

Let me know below what you think of these categories guys. I’ll put a link to the freedom flex below if you want to learn more about it. I will be going to the UK tomorrow, in British Airways new club suite business class, I will have a video review out soon, but until then follow me on instagram @thecreditshifu for multiple instagram stories about my trip. Please subscribe if you are new and we will see you next time. Bye bye.

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21 comments

Tadashi Travel Tours December 14, 2020 - 5:17 pm

Remember Freedom Flex is a Mastercard so it won’t be accepted at Costco.

.. yes.. go Freedom haha

Reply
rkramer105 December 14, 2020 - 10:39 pm

Guess the Freedom will be gathering dust again for the next 3 months… I save more shopping at Walmart and Aldi then I'd save buying in bulk for stuff just to sit on my shelf not being used. 🙁

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DennisK December 14, 2020 - 11:10 pm

I wish I knew about PayPal key… I just spent $1500 on one purchase and it didn’t have a PayPal button so I didn’t use it!!

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Andrew Y December 14, 2020 - 11:15 pm

Lovin that Freedom light my dude!

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Isaac Reddinger December 15, 2020 - 1:00 am

Wow, this quarter is a fail for me

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DemonicXeno December 15, 2020 - 1:04 am

Well, I maxed out Internet Cable & Phone Services in Q1 2020. I just prepay into it twice (once in beginning of January and the second at the end of March). That way I don't have to worry about the bills for several months. 🙂

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Edgardo Rodriguez December 15, 2020 - 2:55 am

awesome I did not product change my freedom so I can use it on Costco the Flex does not work there

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Msilverhammer December 15, 2020 - 5:23 am

The new categories are very disappointing!

I already get 5% back on Phone, Internet, Streaming Services, and Cable TV by using my US Bank Cash + Visa card, which allows me to choose the same 5% categories over and over.

So because of that, I have dedicated that card to those categories to avoid the constant changing of credit card payment methods at all the various sites!

I don't shop at Wholesale Clubs/Membership Stores, so basically a worthless blah quarter for me.

I have the Amazon Prime Visa, so Amazon always 5% for me, and Amazon is sometimes part of the 5% quarterly rewards for the Chase and Discover cards.

I would love to see PayPal as a continuous or ongoing 5% category.

Oh, by the way, why would you need to ship for groceries with the Chase FF at a Wholesale Club, when groceries are an ongoing 5% category with the Chase FF for the first year?

You will receive a 5% reward at most grocery stores, and perhaps Walmart and Target are excluded. not sure.

I shop primarily at Aldi's and WInn Dixie, so no problem for me.

Good Luck!

Reply
Floyd Parr December 15, 2020 - 4:37 pm

Paypal and Wholesale Clubs are nice categories to get 5% on and easy to max out.

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ed velazquez December 15, 2020 - 8:23 pm

Anyone know how to maximize my cash back on my Verizon bill? Verizon only lets me pay with debit as I get 10 dollars off each line. I’ve been getting gift cards from the Verizon store that I can purchase with my freedom unlimited card but that’s only 1.5 percent back. Does anyone know which grocery stores or pharmacies Carry Verizon gift cards?

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Juan Zelaya December 16, 2020 - 6:12 am

I just got approved for this credit card and he just literally upload this video

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good juju December 16, 2020 - 4:11 pm

I’m here for the baby yoda!

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pinapplemangobananna December 16, 2020 - 6:19 pm

I noticed that Comcast (xfinity) is not on their list of eligible Cable, internet, phone services. What's up with that?

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pinapplemangobananna December 16, 2020 - 6:21 pm

I wish I knew about the PayPal key before!

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Jethro Parker December 16, 2020 - 7:13 pm

costco does not accept master cards for sure…

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Steven Rutledge December 16, 2020 - 9:33 pm

Its a little late but if you haven't used your Q4 on the Flex, spending with PayPal for Dinning (ie. Starbucks) gets you 7% back with the additional 2% for dinning on the Flex. Go load up that Starbucks card!

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Aaron Mings December 18, 2020 - 12:37 am

I like your videos, but I feel inclined to ask you to not have your mouth wide open like a soyjack in your thumbnail.
Thanks buddy.

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idkwhyiam December 20, 2020 - 4:59 pm

well this will be going back into the sock drawer

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Blind Shooter December 30, 2020 - 7:16 pm

Internet cable and phone will be the main focus for me. Good thing about smart phones you can set the reminder to switch your card back in quarter to

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Maya Bryant January 5, 2021 - 12:40 pm

I’m so mad I didn’t know about PayPal key 😭😭😭

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Elinor , Countess of Devon January 14, 2021 - 1:08 am

Is HBO Max part of the streaming services for the 5% catagory

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