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Here’s How to Get More From Your Chase Freedom Card This Month

Earn more rewards and save on gift card and Apple merchandise redemptions with a Chase Freedom card with Chase’s limited-time special offers.

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For the month of May, Chase is offering increased rewards and redemption values for the Chase Freedom Flex℠*, Chase Freedom Unlimited® and Chase Freedom® Student credit card. You can unlock redemption discounts when redeeming your points for gift cards or products from the Apple Ultimate Rewards store, making your points more valuable. You can take advantage of these new offers through May 31, 2023.

In addition, cardholders will also earn more with select brands through Shop Through Chase, Chase’s shopping portal. Shop Through Chase works much like third-party cash-back portals such as Rakuten or PayPal Honey, where you’ll earn cash back (or in this case, Ultimate Rewards points) on purchases from select merchants when you use the portal’s affiliate link to reach the merchant’s website. 

For a limited time, Shop Through Chase is offering up to 10% cash back on purchases from select merchants, in addition to your card’s other cash-back categories -- offering another way to rack up more Ultimate Rewards points.

If you want to take advantage of these offers to get some more bang for your bucks (and points), these are the best cards to get:

How to choose the right Freedom card

Unless you’re a student, your choice will fall between the Freedom Flex and Freedom Unlimited. To choose between the two, first consider your spending habits. The Freedom Flex earns a higher rewards rate than the Freedom Unlimited for specific purchases, but a lower base rate on all purchases that don’t fall into one of the elevated rewards categories -- 1% compared to 1.5%.

The Freedom Flex’s bonus categories also change every quarter, meaning it takes more planning to fully maximize the card. If you’re less likely to pay attention to how you shop, the Unlimited is likely the better choice. However, while more complex, the Freedom Flex can be more rewarding.

But why choose? If you’re in the market for two new credit cards, this duo works well together. You can use the Freedom Flex for higher reward categories, like its rotating quarterly categories, use either card for restaurant and drugstore purchases, then turn to the Unlimited to earn a solid 1.5% on everything else. Just keep in mind that Chase has an unofficial 5/24 rule, which means it likely won’t approve you for more than five cards in a 24-month period.

Unlike other student cards, the Freedom Student has a pretty steep credit recommendation. If you’re a student and have a limited credit history, you’ll likely have to look elsewhere.

How to get the most from your Chase Freedom card

During the month of May, your Chase Freedom card is more lucrative if you’re able to redeem your rewards for either gift cards or Apple products through the Apple Ultimate Rewards store. Unless you’ve had your eye on a new Apple product, gift cards are the better option.

If you redeem for select gift cards, you’ll save up 15%, which essentially means you’ll be able to redeem gift cards for 15% fewer points.

As an example, from the Chase portal, if you redeem a $15 Macy’s Gift Card, instead of costing 1,500 points, it would take 1,350 points with the 10% discount. If each point is worth 1 cent, then saving 150 points would be equal to saving $1.50.

Some eligible gift cards include Applebee’s (10%), Bath & Body Works (15%), Chili’s (15%), Chipotle (10%), Domino’s (10%), Gap (15%) Happy Moments (10%), Home Chef (15%), Home Depot (10%), Macy’s (10%), PetSmart (15%), Spa Finder (15%) and Wayfair (15%).

You’ll also earn up to 10% cash back with select retailers through Shop through Chase. Some of the included retailers are Athleta (5%), HelloFresh (5%), Nike (10%), Lowes (10%), ProFlowers (5%), Samsung (5%), Sam’s Club (5%), Sephora (10%), Ulta (10%) and Walmart (5%). The extra earnings are high, but we don’t recommend overspending to rack up points -- this offer is most valuable if you can take advantage of it through normal spending.

The bottom line

For the month of May, your Chase Freedom card is a little more rewarding. If you’re already planning to shop at a particular store, redeem your rewards for the retailer’s gift cards to save up to 15%, or use your points for any Apple products you may need. You can also earn more rewards with Shop through Chase, so take a look to see if any of your favorite brands are included.

*All information about the Chase Freedom Flex card has been collected independently by CNET and has not been reviewed by the issuer.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.
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