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forum threadtenderidol posted Feb 04, 2021 07:28 AM
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forum threadtenderidol posted Feb 04, 2021 07:28 AM

Chase Ultimate Rewards - Select Gift Cards are 10% off - Home Depot, GAP, Sephora, CVS and more

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A few gift cards for Chase Ultimate Rewards are on sale at 10% off. If you're not traveling (like the rest of us) and need to spend at any of these establishments, 10% could help.
  • Home Depot
  • Happy Moments (The Cheesecake Factory, Red Lobster, Buffalo Wild Wings, Macy's, Ulta Beauty, Bed Bath & Beyond, Regal Cinemas)
  • GAP, Banana Republic, Old Navy, Athleta
  • Sephora
  • Bath and Body Works
  • Outback Steakhouse
  • CVS
  • Domino's
  • Topgols
  • Hello Fresh
  • SpaFinder
  • Jiffy Lube
  • Build-a-Bear Workshop
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Deal Details
Community Notes
About the Poster
A few gift cards for Chase Ultimate Rewards are on sale at 10% off. If you're not traveling (like the rest of us) and need to spend at any of these establishments, 10% could help.
  • Home Depot
  • Happy Moments (The Cheesecake Factory, Red Lobster, Buffalo Wild Wings, Macy's, Ulta Beauty, Bed Bath & Beyond, Regal Cinemas)
  • GAP, Banana Republic, Old Navy, Athleta
  • Sephora
  • Bath and Body Works
  • Outback Steakhouse
  • CVS
  • Domino's
  • Topgols
  • Hello Fresh
  • SpaFinder
  • Jiffy Lube
  • Build-a-Bear Workshop

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25 Comments

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Feb 04, 2021 09:33 AM
348 Posts
Joined Oct 2012
In4One1Feb 04, 2021 09:33 AM
348 Posts

Our community has rated this post as helpful. If you agree, why not thank In4One1

IMO this is a very bad way to use points. You get a lot of value using it for travel. Especially through airline/hotel transfer partners. With lack of travel due to Covid and your circumstance could be different. To each their own.
2
4
Feb 04, 2021 02:01 PM
775 Posts
Joined Jan 2008
aapocketzFeb 04, 2021 02:01 PM
775 Posts
Quote from In4One1 :
IMO this is a very bad way to use points. You get a lot of value using it for travel. Especially through airline/hotel transfer partners. With lack of travel due to Covid and your circumstance could be different. To each their own.
In my experience I have gotten some good deals using reward points for Hyatt (though Hyatt blacks out lots of dates usually for points in my experience), maybe a flight that happened to be somewhere I was going that took points. But its somewhat more complicated, whereas this is pretty easy. If you know of easier ways to get value out, please share!
Original Poster
Feb 04, 2021 02:20 PM
19,690 Posts
Joined Feb 2006
tenderidol
Original Poster
Feb 04, 2021 02:20 PM
19,690 Posts

Our community has rated this post as helpful. If you agree, why not thank tenderidol

As I said in the first post, if you're not traveling (e.g., airline and hotel use is out of the picture), this is pretty straightforward.
1
Feb 04, 2021 02:24 PM
500 Posts
Joined Aug 2006
dwkorFeb 04, 2021 02:24 PM
500 Posts
If you want to burn UR points to gift cards, the better way is buying them in grocery stores paying yourself back with UR. You'll get 1.5X redemption rate for points (effectively 33% discount) + up to 3X UR points for grocery store purchases ($1,000 per month till end of April).
Feb 04, 2021 02:38 PM
2,561 Posts
Joined Apr 2013
View92612Feb 04, 2021 02:38 PM
2,561 Posts
Quote from dwkor :
If you want to burn UR points to gift cards, the better way is buying them in grocery stores paying yourself back with UR. You'll get 1.5X redemption rate for points (effectively 33% discount) + up to 3X UR points for grocery store purchases ($1,000 per month till end of April).
You beat me to it. For people who have CSR(Chase Sapphire Reserve) it is much better to get free groceries. IMO its better and more flexible than any travel redemption. The PYB offer as of now is only available for a limited time so best to use it while it lasts.
Feb 04, 2021 02:44 PM
500 Posts
Joined Aug 2006
dwkorFeb 04, 2021 02:44 PM
500 Posts
Quote from View92612 :
You beat me to it. For people who have CSR(Chase Sapphire Reserve) it is much better to get free groceries. IMO its better and more flexible than any travel redemption. The PYB offer as of now is only available for a limited time so best to use it while it lasts.
I guess, the way how people treat UR points differentiate optimists and pessimists. Smilie I believe that we are going to resume traveling sooner than later and would bank points for now.

In either case, if travel is not going back to normal soon, Chase and others would have to continue offering something to offset travel benefits. Just to avoid massive cancellations.
Feb 04, 2021 02:44 PM
567 Posts
Joined May 2011
8ajulaFeb 04, 2021 02:44 PM
567 Posts
Quote from dwkor :
If you want to burn UR points to gift cards, the better way is buying them in grocery stores paying yourself back with UR. You'll get 1.5X redemption rate for points (effectively 33% discount) + up to 3X UR points for grocery store purchases ($1,000 per month till end of April).
Currently, the category for Pay Yourself Back is: select charitable organizations.

How are you getting grocery stores?

edit: I have Freedom cards
Last edited by 8ajula February 4, 2021 at 06:47 AM.

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Feb 04, 2021 02:51 PM
3,494 Posts
Joined Oct 2012
SturgeonGeneralFeb 04, 2021 02:51 PM
3,494 Posts
Quote from 8ajula :
Currently, the category for Pay Yourself Back is: select charitable organizations.

How are you getting grocery stores?

edit: I have Freedom cards
CSR. PYB works for grocery. 1.5x value on points.
Feb 04, 2021 02:54 PM
1,166 Posts
Joined Feb 2007
iceberg11Feb 04, 2021 02:54 PM
1,166 Posts
What others have said is correct, getting 1.1 cents for your UR points are poor value considering there are many other ways to get better values between pay yourself back on groceries/restaurants or travel. I redeemed about $2000 from groceries and restaurant over the past few months due to not being able to travel. If you don't have a Chase Sapphire Reserve (1.5c) or Chase Sapphire Preferred (1.25c), getting one would get you more than the annual fee back for now if you have a bunch of UR points then cancel after.

Another thing you can do is build up a stack of UR points, then apply for one of those cards when you have enough to make sense then take advantage of the increase value of UR.
Feb 04, 2021 02:59 PM
2,561 Posts
Joined Apr 2013
View92612Feb 04, 2021 02:59 PM
2,561 Posts
Quote from dwkor :
I guess, the way how people treat UR points differentiate optimists and pessimists. I believe that we are going to resume traveling sooner than later and would bank points for now.

In either case, if travel is not going back to normal soon, Chase and others would have to continue offering something to offset travel benefits. Just to avoid massive cancellations.
Well, PYB is more flexible because you can use it at any grocery purchases even for local non-chain stores and that includes any Instacart orders and Whole Foods Market pickup/deliveries via Amazon(also coded as groceries). To redeem for 1.5+ on travel you have to use Hyatt point transfer or book travel with Ultimate Rewards, which limits your options and may or may not give the best prices. Ya, there are options to transfer to miles for even higher value of those are even less flexible due to date restrictions. So basically trading flexibility for more value.
Quote from 8ajula :
Currently, the category for Pay Yourself Back is: select charitable organizations.

How are you getting grocery stores?

edit: I have Freedom cards
He's talking about CSR...
Feb 04, 2021 03:04 PM
500 Posts
Joined Aug 2006
dwkorFeb 04, 2021 03:04 PM
500 Posts
Quote from 8ajula :
Currently, the category for Pay Yourself Back is: select charitable organizations.

How are you getting grocery stores?

edit: I have Freedom cards
Good point, I forgot that pay-yourself-back is not offered in lower-tier cards.

One thing to keep in mind that if you have multiple UR cards, you can move points in between them. It may make sense to get some cards with $95 annual fee (CSP, Ink Preferred) to get 1.25UR pay-yourself-back offer.
Feb 04, 2021 03:08 PM
567 Posts
Joined May 2011
8ajulaFeb 04, 2021 03:08 PM
567 Posts
Quote from iceberg11 :
... If you don't have a Chase Sapphire Reserve (1.5c) or Chase Sapphire Preferred (1.25c), getting one would get you more than the annual fee back for now if you have a bunch of UR points then cancel after.

Another thing you can do is build up a stack of UR points, then apply for one of those cards when you have enough to make sense then take advantage of the increase value of UR.
Are you not worried about any negative effects of canceling cards?

I have a few cards that I do not use, but I don't cancel them because some say it negatively impacts score.
Feb 04, 2021 03:13 PM
567 Posts
Joined May 2011
8ajulaFeb 04, 2021 03:13 PM
567 Posts
Quote from dwkor :
Good point, I forgot that pay-yourself-back is not offered in lower-tier cards.

One thing to keep in mind that if you have multiple UR cards, you can move points in between them. It may make sense to get some cards with $95 annual fee (CSP, Ink Preferred) to get 1.25UR pay-yourself-back offer.
I tend to stay away from annual fee cards because I don't spend that much to make up for the fee. I know the first year is usually waived, but I don't want to cancel after a year as I fear it might negatively impact my score, especially if I cancel a card every year.

How much would I have to spend to get enough +.25 points to make up the $95 fee?
Feb 04, 2021 03:19 PM
654 Posts
Joined Oct 2006
birch97Feb 04, 2021 03:19 PM
654 Posts
The grocery story bonus was clutch this year to get rid of points at a great value; plus, with how much better AMEX has been over the past year, im planning on dumping my CSR at its renewal anyways

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Pro
Feb 04, 2021 03:20 PM
9,362 Posts
Joined Dec 2013
doboy007
Pro
Feb 04, 2021 03:20 PM
9,362 Posts
Honestly, not a good deal on crappy GC brands.

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