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 jj1000 on March 14, 2018, 12:39:32 PM** »