Heads up! We share savvy shopping and personal finance tips to put extra cash in your wallet. iMore may receive a commission from The Points Guy Affiliate Network. Please note that the offers mentioned below are subject to change at any time and some may no longer be available.

iPhone 11 all colors

What you need to know

  • Chase Freedom has a new 5% back offer every quarter
  • From October through December, earn 5% back on Chase Pay and Paypal purchases
  • This beats Apple's cash back offer by 2%

Every quarter, Chase Freedom runs a 5% back offer for certain categories. For the last three months of 2019, two of those categories could help you earn 5% back on your iPhone 11, iPhone 11 Pro, or iPhone 11 Pro Max. From October 1, 2019 through December 30, 2019, cardholders will be able to earn 5% cash back (or points) when making a purchase using PayPal or Chase Pay. The offer is good for up to $1,500 in purchases.

If you are are an AT&T, Verizon, or Sprint customer, and are looking to upgrade with your carrier, you can take advantage of the Chase Pay or Paypal offer at Best Buy. The retailer allows customers to use Chase Pay or Paypal when buying iPhone and iPhone 11 Pro online and even lets you to pay for the full amount of the device. So, as long as you're not trying to buy the device carrier free and planning on buying the device outright, you can grab 5% back on your new iPhone 11 (or Pro, or Pro Max).

You can also use Paypal to shop for your new iPhone at eBay. While this tends to be more of the wild west of iPhone shopping, if you find an authorized or reliable seller, you can pay with Paypal and still earn 5% back. You do have to connect Chase Pay with Paypal, but once you do, you can use your Chase Freedom card through Paypal at any retailer that accepts the payment method.

While Apple Card will earn you 3% cash back on your iPhone 11, iPhone 11 Pro, or iPhone 11 Pro Max through the Apple Store or Apple's website, Chase Freedom almost doubles that offer. You just have to be willing to wait until the promotion kicks in on October 1st and shop at select merchants.

More cash back

Chase Freedom

Chase Freedom®

Grab a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Also, get 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Outside of that, earn unlimited 1% cash back on all other purchases. Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers (then a variable APR of 16.99-25.74%). No annual fee.

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