Chase Freedom’s current quarter Q4 2019 bonus categories include PayPal along with Chase Pay and Department Stores. PayPal is accepted at several online portals and some in-store as well. This holiday season its a great opportunity to maximize rewards with Chase Freedom 5% cashback or 5X Rewards along with PayPal. When you have Chase Sapphire Preferred or Sapphire Reserve, these have higher rewards redemption potential after pooling the Ultimate Reward points with Sapphire card.

We will see some of the best techniques to maximize the PayPal purchase, and earn more rewards in addition to 5%.

Do you know you can have more than one Chase Freedom Card? Learn How

Merchants who accept PayPal


United Airlines

Abercrombie & Fitch






Under Armour





Some of the merchants would definitely surprise you, so keep a watch on the merchant list. PayPal list is not completed updated, here.

Maximize Rewards with PayPal Payment

Using Raise & Rakuten discounted Retailer Gift Cards.

Raise, an online marketplace that sells new or used Gift Cards at a discounted price. You can get gift cards of most Retailers. They accept PayPal, Apple Pay,  Android Pay, and Samsung Pay. So, what’s big deal here getting other than 5%? Here is how…

Raise is part of the Rakuten cashback portal. Rakuten now earns Amex Membership Rewards. You will earn 1% Amex Membership Rewards if you purchase via Rakuten. Now, earn 1500 sign-up bonus points. Learn how? Purchase Gift Cards from Raise via Rakuten.

Using Raise and MrRebates

If you are looking for higher cashback then use MrRebates, currently, MrRebates is offering 6% cashback for Raise.

Check the online cashback monitoring portal such as to compare the cashback portal’s % .

Using Chase Ultimate Rewards Shopping Portal

In Shop Through Chase portal, the bonus rewards vary by card. For example, Groupon has different bonus points that you can earn. So, from time to time they provide higher bonus/extra rewards.  If you have multiple Chase Cards earning Ultimate Rewards, make sure you select the card that earns the highest. You can also combine this reward with different promotions.

By combining your Chase Freedom PayPal 5% with 4% Chase Shopping portal rewards, you earn 9% in total. You can maximize in a similar way for other online shopping.


This is definitely a great quarter for Chase Freedom to combine with PayPal, especially with the holiday season right around the corner. We also have a great tool coming soon that will help you to determine which card earns the highest rewards for each category.