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Edited September 15, 2023
at 02:44 AM
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Chase Freedom/Freedom Flex 5% bonus cashback categories for Oct-Dec 2023 are
- PayPal
- Wholesale Clubs
- Select Charities
You can activate by visiting below site from Sept 15th to Dec 14th:
https://www.chasebonus.com/
Merchant list:
https://creditcards.chase.com/fre.../merchants
It can also be enabled after logging into your account and going to 5% cashback. calendar.
Remember it can be activated tomorrow i.e. Sept 15th onwards.
Gas, fuel, wholesale specialty service purchases such as travel, insurance, cell phone and home improvement will not qualify in this category. Mastercard not accepted at Costco warehouses or at gas stations.
Tip: Buying Costco cash card at costco.com with Freedom mastercard is eligible for 5% cashback. Use this Costco cash card in Costco stores and gas station. I did that for Discover card earlier this year and got 5% cashback.
Max cashback in total: $75 (total of $1500 in purchase)
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There's several that are $95 a year but don't really offer much other than the ability to transfer points--- if you don't travel significantly then your best route to max point value for travel is when you ARE finally planning a big trip, get the signup bonus for one of those cards (which will vastly outweigh the $95 fee) and do your transfers under that 1 year of $95 fee.
But if you travel a significant amount then getting- and keeping- the much higher fee CSR can be pretty profitable- especially if you can use some of the various monthly and annual credits for other things it offers.
Either way you have 2 routes to book travel with Chase in general-
ALL cards even free ones can use the chase travel portal... but free cards only get 1 cent per point this way so it's a waste of your time- just take 1 cent cash instead.
The $95 fee cards get 1.25 cents a point- which is still not terrific compared to most point transfer options.
The CSR gets 1.5 cents a point- which CAN be worthwhile in a few specific cases rather than transfers (for example to book Southwest Airlines-- because transfers to them usually only get you ~1.4 cents a point).
Chase points if you have a paid card transfer 1:1 to a bunch of Airlines...and several hotels (though only Hyatt is ever worth considering the rest suck for value of points).
For most airlines though (and also Hyatt hotels) you can usually get nearer 2 cents a point at the low end for coach fares or Hyatt hotels.... and often 4-6 cents a point or more for business or first class flights.
Typically if you just google something like "best use of chase points to X" where X is where you're wanting to go, you'll find all the usual travel blogs with posts about the best airlines and programs and values.
There's also more general ones lilke:
https://thepointsguy.co
https://upgradedpoints.
https://onemileatatime.
as examples.
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Shhh!
Well you dont get 2% costco cashback when buying shop card but get 2% when you buy stuff using that shop card.
Freedom and Freedom Flex get 5x UR points every quarter, max $1500 spend per card, in rotating categories. This deal is about Q4s categories.
Freedom Unlimited is an entirely different card that (outside of its signup bonus) just gets 1.5x UR on everything.
Seems like I need to add on a freedom flex card. thanks for the info
If you buy gift cards in the warehouse it should work for gas, I believe Costco accepts gift cards
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Of course- why wouldn't you? Paypal is specifically a 5x category in Q4.
Well-- 7500 UR points. Which if used for travel, esp. transfers to partners, can be worth considerably more than $75.
because the categories this quarter include gas stations
You won't get that next quarter where the category is warehouse clubs.
Hence why people suggest you can just buy costco gift cards which WILL get 5x, and use those to pay for gas at costco next quarter.
Same thing for folks with the flex mastercard (or discover they do warehouse clubs as a category)- buy costco cash cards online to get around the visa-only restriction in the warehouse.
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Well-- 7500 UR points. Which if used for travel, esp. transfers to partners, can be worth considerably more than $75.
because the categories this quarter include gas stations
You won't get that next quarter where the category is warehouse clubs.
Hence why people suggest you can just buy costco gift cards which WILL get 5x, and use those to pay for gas at costco next quarter.
Same thing for folks with the flex mastercard (or discover they do warehouse clubs as a category)- buy costco cash cards online to get around the visa-only restriction in the warehouse.