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5% categories for second quarter of 2017 (April-June):
Grocery Stores (Not Target or Walmart)
Drug Stores

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 S209 on April 19, 2017, 04:33:09 PM »

Author Topic: Chase Freedom Master Thread  (Read 200717 times)

Offline springles

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Re: Chase Freedom
« Reply #90 on: November 30, 2011, 06:04:08 PM »
Sweet, the 2 places I use credit cards the most are gas and Amazon!

Can anyone think of a reason why I should use my BP Visa for 5% cashback at BP rather than using my Freedom during the quarter that gas is 5%? In general, does it make more sense for me to use my Freedom at any gas station rather than going specifically to BP and using my BP card?
The 5% in freedom is worth more than 5% of the cash that you spend.  Closer to 9%.  So that should definitely be your primary card.  However, if you plan on spending more than $1500 on gas and amazon then that changes things

Offline AsherO

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Re: Chase Freedom
« Reply #91 on: November 30, 2011, 06:08:10 PM »
2012 bonus categories are official:

January-March
Gas stations
Amazon.com

April-June
Grocery Stores
Movie Theaters

July-September
Gas stations
Restaurants

October-December
Hotels
Airlines
Best Buy
Kohl's

Amazon is an interesting one.  and 2 quarters of gas, but I wonder what the difference between gas and gas stations is.  Does that include items from inside the store and gas? Or just items in the store and not gas?

Thanks for posting this. Amazon.com and airlines both sound interesting to me. Q2 seems boring to me.
DDF's version of Godwin's Law: As a DDF thread grows longer, the probability of it pivoting to religion approaches 1...

Offline good sam

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Re: Chase Freedom
« Reply #92 on: November 30, 2011, 06:12:37 PM »
Thanks for posting this. Amazon.com and airlines both sound interesting to me. Q2 seems boring to me.
Groceries boring? That's an easy $1500 in 3 months
If you don't care why would you comment?
HT: DMYD

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Re: Chase Freedom
« Reply #93 on: November 30, 2011, 06:18:43 PM »
Groceries boring? That's an easy $1500 in 3 months

+1
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Offline Dan

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Re: Chase Freedom
« Reply #94 on: November 30, 2011, 06:56:38 PM »
Q2 seems boring to me.
Not at all.  ~9% off GCs from my grocery store, plus double dip with free gas for buying GCs there with the grocery store's loyalty program.
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 #95 on: November 30, 2011, 11:19:42 PM »
Groceries boring? That's an easy $1500 in 3 months
Not at all.  ~9% off GCs from my grocery store, plus double dip with free gas for buying GCs there with the grocery store's loyalty program.

Like I said:

Q2 seems boring to me.
DDF's version of Godwin's Law: As a DDF thread grows longer, the probability of it pivoting to religion approaches 1...

Offline AJK

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Re: Chase Freedom
« Reply #96 on: November 30, 2011, 11:20:18 PM »
You don't eat?  :D
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline AsherO

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Re: Chase Freedom
« Reply #97 on: November 30, 2011, 11:21:07 PM »
You don't eat?  :D

I don't pay the grocery bills much. Not ATM anyway.
DDF's version of Godwin's Law: As a DDF thread grows longer, the probability of it pivoting to religion approaches 1...

Offline AJK

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Re: Chase Freedom
« Reply #98 on: November 30, 2011, 11:21:38 PM »
I don't pay the grocery bills much. Not ATM anyway.

Well, that's better than 5% CB anyway.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

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Re: Chase Freedom
« Reply #99 on: November 30, 2011, 11:23:24 PM »
Like I said:

you can always go the gift card unload through ap route

Offline AsherO

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Re: Chase Freedom
« Reply #100 on: November 30, 2011, 11:24:43 PM »
you can always go the gift card unload through ap route

What groceries in Brooklyn offer this at a rate that's worth it for 5%? What about sales tax?
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Re: Chase Freedom
« Reply #101 on: November 30, 2011, 11:30:17 PM »
What groceries in Brooklyn offer this at a rate that's worth it for 5%? What about sales tax?

I'm assuming the SR in brooklyn sells also but not sure. I guess once you take off the 1% purchase fee  and subtract the almost 2% you could've gotten anyway with ap you get around 5%. AFAIK they don't charge tax on gift cards

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Re: Chase Freedom
« Reply #102 on: November 30, 2011, 11:41:32 PM »
who is SR??

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Re: Chase Freedom
« Reply #103 on: November 30, 2011, 11:42:43 PM »
SR = ShopRite

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Re: Chase Freedom
« Reply #104 on: December 01, 2011, 01:01:45 AM »
thanks