This morning, Chase revealed that the Chase Freedom 2nd Quarter 2020 categories are Grocery Stores as well as Gym Memberships & Fitness Clubs.

The Chase Freedom is an amazing card for earning Ultimate Rewards (UR) points quickly on select categories. It’s best used in conjunction with the Chase Sapphire Preferred, Chase Sapphire Reserve, or the Chase Ink Business Preferred. This is because you can transfer points earned with the Freedom to any of the above cards for access to transfer partners.



I am not surprised to see Grocery Stores as the second quarter’s primary category. It was also the second quarter’s primary category for the last several years. People might be spending more at the Grocery Store this quarter to stock up on goods in case of the Coronavirus.

However, Gym Memberships & Fitness Clubs came out of left field for me. I am impressed that Chase is thinking outside the box with their secondary categories in 2020. For the first quarter of 2020, Chase selected Streaming Services, as well as Internet, Cable, and Phone Services as its secondary categories. I think that Chase is trying to get millennials to apply for the Freedom card. Plus, I think that Chase will continue to offer more creative secondary categories into the second half of 2020.

Moreover, the Chase Freedom allows you to earn 5x points on up to $1,500 spend within the bonus categories. That means you can earn 7,500 UR points per quarter if you maximize the categories. All categories share the maximum spend limit.



Use the Freedom for the first $1,500 of category expenses. Thereafter, use a Grocery Store bonus category card if you spend more than $1,500 in groceries next quarter. The reason is because you will earn only one point for every dollar spent after maximizing the categories.

Nonetheless, Chase is now competing with American Express’ bevy of grocery store cards with the Freedom. The Gold Card, Everyday Preferred Card, and Blue Cash Preferred Card are Chase’s main competitors this quarter.

Plus, there is only one other credit card that offers a bonus on Gym Membership & Health Clubs: the Chase World of Hyatt Card. The strategy here is to use the Freedom for all Gym Membership and Health Club expenses (if you have any) this quarter. Switch to either the World of Hyatt Card or a flat rate card in the even you go over the $1,500 spend maximum.


Final Draw

The second quarter of 2020 should be bountiful for most Chase Freedom cardholders, especially those who have large grocery budgets. However, not everyone has Gym Membership & Health Club expenses. Therefore, the secondary categories are not as universally useful as Grocery Stores.

The current categories for the Chase Freedom are Gas Stations, Streaming Services, as well as Internet, Cable, and Phone Services. Registration to earn 5x points closes on Saturday, March 14, 2020 for those who have not registered. This is your last chance to register. All you have to do is click on this link to the registration page and enter your name, ZIP code, and the last four digits of your card’s number.

Registration for the second quarter’s categories opens on Sunday, March 15, 2020. Use the same registration page link and follow the above steps to apply.