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5% categories for fourth quarter of 2017:
Dept. stores and Walmart

There are three possibilities for how many points are earned. In the following examples, the effective rates are assuming you cash out the points for 1 cent each, but if you can transfer them to Sapphire Preferred or Ink, the effective rate could be much higher.
  • Cardholders without a Chase checking account
    1 base point per dollar for all spending. Additional 4 bonus points per dollar for spending up to $1500 in quarterly categories.
    Example 1: Spend $1 on a parking meter. Earn 1 point, an effective rate of 1%.
    Example 2: Spend $10 to refill a Metrocard in 2016 Q1. Earn 50 points, an effective rate of 5%.
    Example 3: Spend $100 to buy a Long Island Rail Road Peak Ten-Trip ticket between zones 1 and 3 in 2016 Q1. Earn 500 points, an effective rate of 5%.
    Example 4: Spend $1500 at 7-Eleven in 2016 Q1. Earn 7500 points, an effective rate of 5%.
  • Cardholders with a Chase checking account in older program
    1 base point per dollar plus 10% of the base points plus 10 points per transaction for all spending. Additional 4 bonus points per dollar for spending up to $1500 in quarterly categories.
    Example 1: Spend $1 on a parking meter. Earn 11.1 points, an effective rate of 11.1%.
    Example 2: Spend $10 to refill a Metrocard in 2016 Q1. Earn 61 points, an effective rate of 6.1%.
    Example 3: Spend $100 to buy a Long Island Rail Road Peak Ten-Trip ticket between zones 1 and 3 in 2016 Q1. Earn 520 points, an effective rate of 5.2%.
    Example 4: Spend $1500 at 7-Eleven in 2016 Q1. Earn 7660 points, an effective rate of 5.11%.
  • Cardholders with a Chase checking account in newer program
    1 base point per dollar for all spending. Additional 4 bonus points per dollar for spending up to $1500 in quarterly categories. Annual bonus of 10% of the total of base and bonus points (until February 2016).
    Example 1: Spend $1 on a parking meter. Earn 1 point on the next statement and .1 points at year's end, an effective rate of 1.1%.
    Example 2: Spend $10 to refill a Metrocard in 2016 Q1. Earn 50 points on the next statement and 5 points at year's end, an effective rate of 5.5%.
    Example 3: Spend $100 to buy a Long Island Rail Road Peak Ten-Trip ticket between zones 1 and 3 in 2016 Q1. Earn 500 points on the next statement and 50 points at year's end, an effective rate of 5.5%.
    Example 4: Spend $1500 at 7-Eleven in 2016 Q1. Earn 7500 points on the next statement and 750 points at year's end, an effective rate of 5.5%.

« Last edited by Iz on October 30, 2017, 10:36:44 AM »

Author Topic: Chase Freedom Master Thread  (Read 224018 times)

Offline lifetimedeals

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Re: Chase Freedom Master Thread
« Reply #2595 on: January 03, 2018, 05:05:01 PM »
What about chase pay? I see walmart online offers it.

Offline myi

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Re: Chase Freedom Master Thread
« Reply #2596 on: January 11, 2018, 08:40:52 PM »
If one has chase ink cards, is there any reason to have a sapphire open versus having a freedom Unlimited, what benefit exactly do you get with Chase Sapphire besides for foreign transaction, while with the freedom unlimited I can get 1.5 for every dollar and to transfer my MR points and use them I can use my Ink.
  ‏ is there really any worth in the sapphire to pay $95 annually?
Don't try to be someone else , be who you are because everyone else is taken.

Online davidrotts63

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Re: Chase Freedom Master Thread
« Reply #2597 on: January 11, 2018, 09:01:07 PM »


If one has chase ink cards, is there any reason to have a sapphire open versus having a freedom Unlimited, what benefit exactly do you get with Chase Sapphire besides for foreign transaction, while with the freedom unlimited I can get 1.5 for every dollar and to transfer my UR points and use them I can use my Ink.
  ‏ is there really any worth in the sapphire to pay $95 annually?

If you have the INK preferred, you can still use the redeem for travel, or transfer to airlines, but with the ink cash not.
Don't pm me unless you will use my referral link. :P

Offline David R

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Re: Chase Freedom Master Thread
« Reply #2598 on: January 14, 2018, 10:46:05 PM »
If one has chase ink cards, is there any reason to have a sapphire open versus having a freedom Unlimited, what benefit exactly do you get with Chase Sapphire besides for foreign transaction, while with the freedom unlimited I can get 1.5 for every dollar and to transfer my MR points and use them I can use my Ink.
  ‏ is there really any worth in the sapphire to pay $95 annually?
2X points on travel and dining

For the half a point difference, you would have to spend thousands of dollars for it to be worth the fee.

Offline Abebee

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Re: Chase Freedom Master Thread
« Reply #2599 on: January 15, 2018, 12:20:54 AM »
If one has chase ink cards, is there any reason to have a sapphire open versus having a freedom Unlimited, what benefit exactly do you get with Chase Sapphire besides for foreign transaction, while with the freedom unlimited I can get 1.5 for every dollar and to transfer my MR points and use them I can use my Ink.
  ‏ is there really any worth in the sapphire to pay $95 annually?
For me personally its worth it for the free additional users (that get to use it in Israel)
Besides from that really no benefit.