Topic Wiki

Click Here to get more details on this card and compare to other cards!



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 »

Author Topic: Chase Freedom Master Thread  (Read 379218 times)

Offline Fan of Dan

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2011
  • Posts: 3046
  • Total likes: 7
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Chase Freedom
« Reply #380 on: April 27, 2012, 12:05:25 PM »
Read the fine print.
yes it was quite clear in your post.

Offline Name Changed

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Sep 2011
  • Posts: 4846
  • Total likes: 5
  • DansDeals.com Hat Tips 13
    • View Profile
  • Location: Lakewood
  • Programs: Avis Presidents Club, National Executive Elite, Hertz Presidents Circle, Sixt Platinum, SPG Gold, eBay Platinum
Re: Chase Freedom
« Reply #381 on: April 27, 2012, 02:00:42 PM »
Manual counting.
I use quickbooks to catagorize all my monthly spending

At the end of every month I import all my CC charges and filter them to categories I created ...

It gets easy after doing it for a while, QB recognized stores and filters it automatically

Offline Smartypantz

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Feb 2012
  • Posts: 589
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Chase Freedom
« Reply #382 on: April 29, 2012, 01:30:20 PM »
An interesting happened to me with the Freedom card. I saw the offer a month ago for the 30,000 bonus points and applied, and got approval. Later that day I was talking to my banker at Chase(I speak to him often regarding financials for the business I work for) and asked if he could match the offer. He sent my request to a regular banker, and I did not hear back from her. I called the toll free number and the rep told me I have 10,000 points as a courtesy! Got my statement today - and that is true! Spent less than $30 and got 10,000 points, and 20,000 more when I spend $500 within 93 days! Thank you Chase:)

Offline zlt123

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Jul 2011
  • Posts: 634
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Chase Freedom
« Reply #383 on: April 30, 2012, 12:22:12 PM »
An interesting happened to me with the Freedom card. I saw the offer a month ago for the 30,000 bonus points and applied, and got approval. Later that day I was talking to my banker at Chase(I speak to him often regarding financials for the business I work for) and asked if he could match the offer. He sent my request to a regular banker, and I did not hear back from her. I called the toll free number and the rep told me I have 10,000 points as a courtesy! Got my statement today - and that is true! Spent less than $30 and got 10,000 points, and 20,000 more when I spend $500 within 93 days! Thank you Chase:)
So In the end you got 30,000 points ! Whats the big deal thats what you applied for so what did the banker do for you?

Offline smiley face

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Oct 2011
  • Posts: 489
  • Total likes: 1
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: New York
Re: Chase Freedom
« Reply #384 on: April 30, 2012, 01:04:21 PM »
They matched me to 35k! Yay
Thank you DDF for all your help!

Offline AsherO

  • Global Moderator
  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 26057
  • Total likes: 3220
  • DansDeals.com Hat Tips 75
    • View Profile
  • Location: NYC
Re: Chase Freedom
« Reply #385 on: May 01, 2012, 12:17:23 AM »
IIRC Walmart and Target are included.

Neither are listed here...

Offline Dan

  • Administrator
  • Dansdeals Lifetime 50K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 60654
  • Total likes: 7969
  • DansDeals.com Hat Tips 16442
  • Gender: Male
    • View Profile
  • Location: CLE
  • Programs: UA Global Services, AA Lifetime Plat, DL Dirt, SPG Plat, Hyatt Diamond, Fairmont Lifetime Plat, Hilton Diamond, Priority Club Plat, Avis Chairman, National EE, Hertz PC
Re: Chase Freedom
« Reply #386 on: May 01, 2012, 12:18:28 AM »
Neither are listed here...
I see them both there, with a listed caveat next to each that I don't think they could possibly enforce if you're at a store that also carries groceries.
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 smurf

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Sep 2010
  • Posts: 4394
  • Total likes: 7
  • DansDeals.com Hat Tips 8
    • View Profile
  • Location: NJ
Re: Chase Freedom
« Reply #387 on: May 01, 2012, 12:20:26 AM »
Neither are listed here...
they're both listed there. Albeit with a disclaimer "grocery purchases"

Offline AsherO

  • Global Moderator
  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 26057
  • Total likes: 3220
  • DansDeals.com Hat Tips 75
    • View Profile
  • Location: NYC
Re: Chase Freedom
« Reply #388 on: May 01, 2012, 12:25:39 AM »
I see them both there, with a listed caveat next to each that I don't think they could possibly enforce if you're at a store that also carries groceries.

I could swear the page changed when I refreshed it now, hmmm. You're right, I doubt they could enforce the caveat.

Offline smurf

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Sep 2010
  • Posts: 4394
  • Total likes: 7
  • DansDeals.com Hat Tips 8
    • View Profile
  • Location: NJ
Re: Chase Freedom
« Reply #389 on: May 01, 2012, 12:28:41 AM »
I could swear the page changed when I refreshed it now, hmmm. You're right, I doubt they could enforce the caveat.
I know target categorizes the receipt. Dunno if they share that info with chase, we know that they could...

Offline AsherO

  • Global Moderator
  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 26057
  • Total likes: 3220
  • DansDeals.com Hat Tips 75
    • View Profile
  • Location: NYC
Re: Chase Freedom
« Reply #390 on: May 01, 2012, 12:35:34 AM »
I know target categorizes the receipt. Dunno if they share that info with chase, we know that they could...

We do? Only L3 has that, AFAIK...

Offline smurf

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Sep 2010
  • Posts: 4394
  • Total likes: 7
  • DansDeals.com Hat Tips 8
    • View Profile
  • Location: NJ
Re: Chase Freedom
« Reply #391 on: May 01, 2012, 12:59:47 AM »
We do? Only L3 has that, AFAIK...
i just bought a ticket with my CC and looking online the transaction had all the ticketing info on it. So it's definitley possibl to share the info I just dont know if they do.And yes that is the thread I was referencing

Offline steeeveknowsbest

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Aug 2011
  • Posts: 945
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: denver, Co
Re: Chase Freedom
« Reply #392 on: May 01, 2012, 01:16:00 AM »
They matched me to 35k! Yay
Thank you DDF for all your help!
how many times did you ask/SM?

how long ago did you get matched?

Offline Saver2000

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Apr 2011
  • Posts: 7637
  • Total likes: 26
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Chase Freedom
« Reply #393 on: May 01, 2012, 01:21:05 AM »
We do? Only L3 has that, AFAIK...

I just checked my discover statement and I see they listed one purchase from target in the "merchandise" category,  and another purchase in the "supermarket" category.  Hmmm. . .

Offline AsherO

  • Global Moderator
  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 26057
  • Total likes: 3220
  • DansDeals.com Hat Tips 75
    • View Profile
  • Location: NYC
Re: Chase Freedom
« Reply #394 on: May 01, 2012, 02:16:21 AM »
i just bought a ticket with my CC and looking online the transaction had all the ticketing info on it. So it's definitley possibl to share the info I just dont know if they do.And yes that is the thread I was referencing

I think that's specific to airline tickets.

I just checked my discover statement and I see they listed one purchase from target in the "merchandise" category,  and another purchase in the "supermarket" category.  Hmmm. . .

Saw your post, and I'm wondering what that's about. Something tells me it's about different checkout counters in the store (located in different parts of the store?) classified differently.

Offline Ergel

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Jun 2010
  • Posts: 12774
  • Total likes: 865
  • DansDeals.com Hat Tips 3
    • View Profile
Re: Re: Chase Freedom
« Reply #395 on: May 01, 2012, 08:41:08 AM »
I think that's specific to airline tickets.


Saw your post, and I'm wondering what that's about. Something tells me it's about different checkout counters in the store (located in different parts of the store?) classified differently.
IME there are no separate counters in target (except pharmacy)
Life isn't about checking the boxes. Nobody cares.

Offline Smartypantz

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Feb 2012
  • Posts: 589
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Chase Freedom
« Reply #396 on: May 01, 2012, 09:26:07 AM »
So In the end you got 30,000 points ! Whats the big deal thats what you applied for so what did the banker do for you?

He gave me 10,000 points without spending the $500 so basically free 10,000 points + 20,000 which I will get after I spend the required $500.

Offline Drago

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2008
  • Posts: 8218
  • Total likes: 31
  • DansDeals.com Hat Tips 18
    • View Profile
Re: Chase Freedom
« Reply #397 on: May 01, 2012, 10:31:41 AM »
He gave me 10,000 points without spending the $500 so basically free 10,000 points + 20,000 which I will get after I spend the required $500.
It's good that you got matched, but it's still ends up being 30k after you spend 500.

Offline smiley face

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Oct 2011
  • Posts: 489
  • Total likes: 1
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: New York
Re: Chase Freedom
« Reply #398 on: May 02, 2012, 10:53:38 AM »
how many times did you ask/SM?

how long ago did you get matched?
It took 3 sm and they matched me last week...I think they just wanted me off their back ;)

Offline aryeh

  • DansDeals Copper Elite
  • *
  • Join Date: Nov 2010
  • Posts: 4
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Brooklyn, NY
Re: Chase Freedom
« Reply #399 on: May 02, 2012, 12:13:18 PM »
Has anyone tried this website rewards2cash.com they are offering .013/per an unlimited rewards point. looks like a good deal since I don't travel to much so transferring to to airlines or hotels dosent make much sense for me. I would get 30 percent more then from chase cash out plus its better then 2% of limited gift cards. But:
1.  I want to verify if it is legit.
2. curious what Dan or others thought. is this a good deal?