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forum thread Posted by ysellit • Oct 7, 2020
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forum thread Posted by ysellit • Oct 7, 2020

Chase Ultimate Rewards 10% Discount on Gift Cards While Supplies Last- Home Depot Outback.Sephora Wayfair & More

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Check your inbox for the chase Freedom Card Deal, or login to your Chase Freedom UR account. I've been looking to add to some Ridgid power tools but sales rare.

https://www.chase.com/personal/cr...te-rewards
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Community Notes
About the Poster
Check your inbox for the chase Freedom Card Deal, or login to your Chase Freedom UR account. I've been looking to add to some Ridgid power tools but sales rare.

https://www.chase.com/personal/cr...te-rewards

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42 Comments

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Pro
Expert
This user is an Expert in Home & Home Improvement
Oct 7, 2020
762 Posts
Joined Jun 2019
Oct 7, 2020
Ruyi
Pro
Expert
This user is an Expert in Home & Home Improvement
Oct 7, 2020
762 Posts
I use all my points to "pay yourself back". Frown
Oct 7, 2020
2,113 Posts
Joined Jun 2019
Oct 7, 2020
Fanime
Oct 7, 2020
2,113 Posts
Quote from wangwjun :
I use all my points to "pay yourself back".
PYB >10% off gift cards

Just sayin...
1
Oct 7, 2020
1,580 Posts
Joined Mar 2007
Oct 7, 2020
agent099
Oct 7, 2020
1,580 Posts
This is a bad deal if you travel and have a chase sapphire reserve or preferred card. Preferred gives you 1.25% redemption rate so 25% back, reserve gives you 1.50x redemption rate so 50% back vs 10% on gift cards.
1
Oct 7, 2020
2,133 Posts
Joined Jun 2006
Oct 7, 2020
NewDoc
Oct 7, 2020
2,133 Posts
Quote from agent099 :
This is a bad deal if you travel and have a chase sapphire reserve or preferred card. Preferred gives you 1.25% redemption rate so 25% back, reserve gives you 1.50x redemption rate so 50% back vs 10% on gift cards.
100% correct. This is a bad deal. I get all my gift cards at Kroger for 4x fuel points using the reserve card. I always get at least 1000 points each month, so I get $1 off/ gallon for 35 gallons. Then pay for the grocery store purchase using pay yourself back. That's one way to use some of my half million plus points.

You need to stack as many deals as possible to get the max savings.
1
Oct 7, 2020
3,694 Posts
Joined Jul 2019
Oct 7, 2020
94c107ea-869c-45a5-becd-c6b552
Oct 7, 2020
3,694 Posts
Quote from wangwjun :
I use all my points to "pay yourself back". Frown
smart move, i dropped 200k UR on PYB.
1
Oct 7, 2020
1,673 Posts
Joined Jan 2015
Oct 7, 2020
Repost
Oct 7, 2020
1,673 Posts
https://slickdeals.net/f/14399945-chase-online?v=1
1
Oct 8, 2020
1,602 Posts
Joined Mar 2016
Oct 8, 2020
HunterXY
Oct 8, 2020
1,602 Posts
OP, ridgid tools are on sale via home depot's special buy of the day basically once a week, which ones are on changes from time to time but the sure thing tools everytime are drills/drivers.
Last edited by HunterXY October 7, 2020 at 05:04 PM.

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Oct 8, 2020
363 Posts
Joined Apr 2011
Oct 8, 2020
MAKNYC
Oct 8, 2020
363 Posts
For Freedom card the Home Depot remains a good deal.
Oct 9, 2020
834 Posts
Joined Nov 2016
Oct 9, 2020
unknownuser5
Oct 9, 2020
834 Posts
Quote from MAKNYC :
For Freedom card the Home Depot remains a good deal.
Why do you say so? I have sapphire and freedom both and I am confused why this is not good deal for sapphire but good deal for freedom?

Oct 9, 2020
363 Posts
Joined Apr 2011
Oct 9, 2020
MAKNYC
Oct 9, 2020
363 Posts
Quote from unknownuser5 :
Why do you say so? I have sapphire and freedom both and I am confused why this is not good deal for sapphire but good deal for freedom?
Freedom always allows cash withdrawals of points at a 1/$1 ratio. That's the standard cash rebate. Buying this Home Depot gift card at a 10% discount is good (but not so good for the other sale cards). Although Discover is also offering a similar discount right now on Home Depot cards.

As for Sapphire, I don't have one, but it would appear from the earlier posts that Chase is offering a temporary incentive to convert points to cash back at a better ratio that they typically offer on that card. If that's the case others are suggesting getting a cash rebate on a Sapphire card is better than the 10% discount offered on the HD card. They are not doing that with the no-fee Freedom card.
Oct 10, 2020
1,733 Posts
Joined Nov 2006
Oct 10, 2020
uspeed
Oct 10, 2020
1,733 Posts
Chase cardholder (atleast Freedom card) has 10% of on Home Depot gift card, if you have enough point to redeem.

https://ultimaterewardspoints.cha...ts_hprrail
Last edited by LowRoller October 10, 2020 at 12:50 PM.
Oct 10, 2020
2,114 Posts
Joined Nov 2012
Oct 10, 2020
LadyX
Oct 10, 2020
2,114 Posts
Thanks!
Oct 10, 2020
1,203 Posts
Joined Jul 2006
Oct 10, 2020
PrincipalMember
Oct 10, 2020
1,203 Posts
One thing to point out is that HomeDepot has become really obnoxious with returns using gift card purchases. 1. They require ID for return - not sure if true for regular purchases, 2. They give you back store credit and that store credit is tied to your name. So when you use the store credit, you need your ID again. Don't know if they will let your spouse use the card.

So when you return an item, instead of having a method of payment that was free of restrictions, you end up something that has restrictions. They say it is for your protection - which is all crap since I originally had the gift card with no protection and that is what I want back.
Oct 10, 2020
2,227 Posts
Joined Sep 2012
Oct 10, 2020
ChristInMe
Oct 10, 2020
2,227 Posts
Nice find. repped

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Oct 10, 2020
114 Posts
Joined Aug 2011
Oct 10, 2020
tape660
Oct 10, 2020
114 Posts
Ultimate rewards also has pay yourself back. Pick a charge from the past 90 days and use your points. You'll get the payment back at a 25% discount by using points. I just did one charge for a $207 charge. It cost me like $160 in points.

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