10% Off at Restaurants & Lowe's During Q2

As I've written about before, The Chase Freedom card is a great tool to maximize Chase Ultimate Rewards.  In combination with the rotating 5x categories, you can essentially earn 10% off on those purchases assuming you value Chase Ultimate Rewards points at 2 cents a piece.

You must also have a card (either Chase Ink or Sapphire Preferred) in order to get the most value out of this strategy.  Without one of those cards, you're capped at 5% cash back on the rotating categories and you wouldn't be able to transfer the points to an Ultimate Rewards earning account.

In our house, Emily has the Freedom card and I have Sapphire and Ink.  So by spending on her card at restaurants and Lowe's this quarter, we'll earn 5x points which we'll combine into my Ultimate Rewards account.

This strategy is capped at 7,500 total points ($1,500 in spend) per quarter but it should be a no brainer to spend $500 a month dining in Q2 to earn those points!