How to Get 10% Cash Back on All Your Holiday Shopping

Please Note: This content is accurate as of the posting date. Some offers may no longer be available.

The “How to Save Money on Black Friday 2015 — in 10 GIFs” bedlam of Black Friday $806 on holiday gifts for the 2015 season, according to the National Retail Federation, and more than 121 million people will spend some of that online today.

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    But before you plow through your Christmas list on, check which credit card you’re using — because if you have the Chase Freedom® card, you can earn a whopping 10% cash back on purchases at some major online retailers — including Amazon, Zappos,, and Audible — for the duration of 2015. That amounts to a free $80 refund on the average holiday gift budget.

    Here’s how it works: The Chase Freedom® card  — a no-annual-fee, cash-back rewards card — offers “bonus categories” that rotate each quarter. Normally, they dole out 5% cash back on your first $1,500 spent within a bonus category (versus 1% cash back on everything else). 

    Now, this is important: Even if you have the Chase Freedom® card already, you’ll need to activate your card to take advantage of the quarterly bonus category (you can activate your card here).

    Once your card is activated, earning 10% is as simple as using your Chase Freedom card for online purchases made through Dec. 31 2015 on Amazon, Zappos,, and Audible.

    How Much Can I Earn?

    If you’re one of those average Americans spending upwards of $800 on holiday gifts, and you bought them all online this year — avoiding the crowds and tempting impulse buys that plague the mall experience — you could score an easy $80 in cash back using the Chase Freedom® card.

    However, the quarterly limit on bonus category spending is $1,500, which means you have the potential to earn up to $150 in cash back through this limited-time promotion. We don’t advocate buying junk you (or your kids) don’t need just to max out a 10% cash-back offer, but holiday shopping isn’t the only way to take advantage of this deal.

    For example, if you have babies or small children, or expect to attend a baby shower anytime soon, it also makes sense to check out for special Cyber Monday and year-end deals.

    Not only does the site offer discounts on diapers delivered directly to your doorstep, they also offer children’s clothing, baby formula, and baby gear like strollers and car seats. If you need to stock up on baby supplies anyway, buying them with your Chase Freedom® card to tap into the 10% cash-back offer is one way to save money in the process.

    Another Strategy: Bulk Up on Ultimate Rewards Points

    If you have the Chase Sapphire Preferred® Card in addition to the Chase Freedom® card, you’re in even better shape. Since you can transfer points earned with your Chase Freedom® card to your Chase Sapphire Preferred® Card, you can use these bonus points to score free hotel stays, flights, and more.

    Ultimate Rewards points can be used to book travel through the Chase travel portal at a 20% discount, or transferred to a slew of popular hotel loyalty and frequent flyer programs at a 1:1 ratio. Partners include airlines such as British Airways, Southwest Airlines, United Airlines, Virgin Atlantic, and hotel chains like Hyatt, IHG, Ritz-Carlton, and Marriott.

    If you don’t have the Chase Sapphire Preferred® Card yet, there’s no better time to sign up. Simply use your Chase Freedom® card for all of your holiday shopping on Amazon to earn 10X points through Dec. 31, and then transfer those points to your Chase Sapphire Preferred® Card account when you’re ready to book your next trip.

    Are you doing your holiday shopping online this year? What strategies are you using to earn cash back?

    Please Note: Information about the Chase Freedom® has been collected independently by The issuer did not provide the details, nor is it responsible for their accuracy.

    Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view our disclosures, click here. Opinions expressed here are the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser’s page for terms & conditions.

    Holly Johnson

    Contributing Writer

    Holly Johnson is a frugality expert and award-winning writer who is obsessed with personal finance and getting the most out of life. A lifelong resident of Indiana, she enjoys gardening, reading, and traveling the world with her husband and two children. In addition to The Simple Dollar, Holly writes for well-known publications such as U.S. News & World Report Travel, PolicyGenius, Travel Pulse, and Frugal Travel Guy. Holly also owns Club Thrifty.