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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 220108 times)

Offline deals

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Re: Chase Freedom
« Reply #30 on: July 14, 2011, 06:47:35 PM »
if u have a chase checking linked to your freedom u better off using the freedom card as u get extra bonuses like 1 point for every $10 + 10 points for every transaction

Offline springles

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Re: Chase Freedom
« Reply #31 on: July 14, 2011, 10:05:13 PM »
Plus you get 5% back on gas this quarter with the freedom card. I believe that if you have a chase checking and sapphire preferred card then the freedom card becomes the best card out there.
 

Offline AsherO

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Re: Chase Freedom
« Reply #32 on: July 15, 2011, 02:05:19 AM »
if u have a chase checking linked to your freedom u better off using the freedom card as u get extra bonuses like 1 point for every $10 + 10 points for every transaction

That's only after I've filled the spend requirement on my Sapphire Preferred. Are you sure it's 1 pt per $10? I think you mean 1pt per dollar....
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Offline Deal Guy

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Re: Chase Freedom
« Reply #33 on: July 15, 2011, 02:57:32 AM »
That's only after I've filled the spend requirement on my Sapphire Preferred. Are you sure it's 1 pt per $10? I think you mean 1pt per dollar....
Hey give the guy a break, he just had a baby....
It's 1 point per dollar plus a 10% bonus. You also get 10 points per purchase.

Offline AsherO

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Re: Chase Freedom
« Reply #34 on: July 15, 2011, 03:04:16 AM »
Hey give the guy a break, he just had a baby....
It's 1 point per dollar plus a 10% bonus. You also get 10 points per purchase.

Ah, so he said it right, albeit unclear. Besides for the 1pt per $1 spent, you get an extra 1 pt per $10 spent.
PGF24BMGS

Offline myb821

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Re: Chase Freedom
« Reply #35 on: July 15, 2011, 09:34:08 AM »
i should realy have gotten the chase freedom thats alot of extra points

Offline good sam

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Re: Chase Freedom
« Reply #36 on: July 15, 2011, 09:55:05 AM »
should have

Why not get one now and pick up $100 bonus in the process?
If you don't care why would you comment?
HT: DMYD

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Re: Chase Freedom
« Reply #37 on: July 15, 2011, 11:00:15 AM »
Why not get one now and pick up $100 bonus in the process?
Or $200...http://www.dansdeals.com/go/freedom200
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline AsherO

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Re: Chase Freedom
« Reply #38 on: July 15, 2011, 11:15:30 AM »
i should realy have gotten the chase freedom thats alot of extra points

You'd use this as your primary card? Better points for everyday spending than SPG? I also don't like that the bonus categories switch every three months, it's just too much to keep track of for a few bonus points (compared to SPGs 1.25 miles per dollar spent (in $20k increments).

I dunno if it works for 'long-term' or high-ticket items (e.g. electronics), as the freedom doesn't have the protections that the Sapphire Preferred/SPG have.

Or $200...http://www.dansdeals.com/go/freedom200

Just call it 20k UR :P
PGF24BMGS

Offline springles

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Re: Chase Freedom
« Reply #39 on: July 15, 2011, 01:32:22 PM »
You'd use this as your primary card? Better points for everyday spending than SPG? I also don't like that the bonus categories switch every three months, it's just too much to keep track of for a few bonus points (compared to SPGs 1.25 miles per dollar spent (in $20k increments).

I dunno if it works for 'long-term' or high-ticket items (e.g. electronics), as the freedom doesn't have the protections that the Sapphire Preferred/SPG have.

Just call it 20k UR :P
I think if you have the chase checking/sapphire preferred set up, then the freedom is worth more than the SPG.  Definitely for smaller purchases.  And the fact that it transfers to CO 1:1 is a nice advantage, especially with the ANA changes.  And its easy to track the rotating categories as they send you a text when its time to activate and all you do is reply.  5 points per $ spent is not a few extra points. 
For larger purchases and/or items you want the purchase protections then SPG might still be the way to go. 

And I agree that we should just call it 20k UR, thats really worth more than $200 anyway.

Offline bubbles

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Re: Chase Freedom
« Reply #40 on: September 07, 2011, 02:35:32 PM »
I didn't realize UR are transferable to someone else's account, can this be done online? (I've seen the option to transfer between my accounts online, but not someone else's)

Do you gain anything from this, e.g. 7% annual dividends? (or is that just for spending on the Sapphire Preferred?)

Anyone ever find out if you get the 7% from points transferred into your account?

Offline atlas310

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Re: Chase Freedom
« Reply #41 on: September 08, 2011, 10:44:17 AM »
Pretty sure the 7% dividend applies on actual amount spent on the Sapphire Preferred.

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Re: Chase Freedom
« Reply #42 on: September 08, 2011, 10:45:51 AM »
Hey give the guy a break, he just had a baby....
It's 1 point per dollar plus a 10% bonus. You also get 10 points per purchase.

Where do you get the 10% bonus from?

Offline bubbles

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Re: Chase Freedom
« Reply #43 on: September 08, 2011, 10:56:48 AM »
Pretty sure the 7% dividend applies on actual amount spent on the Sapphire Preferred.

So you don't get the 7% on the sign up bonus either? That's not considered earned points?

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Re: Chase Freedom
« Reply #44 on: September 08, 2011, 11:11:03 AM »
Would be nice, but I don't think so.