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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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As already discussed a bunch, you just buy costco cash cards at costo.com with your flex and you get the same 5x as you would buying instore with a visa freedom.
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.com/guide/re...mum-value/ [thepointsguy.com]
https://upgradedpoints.com/credit...ds-points/ [upgradedpoints.com]
https://onemileatatime.com/guides...ds-points/ [onemileatatime.com]
as examples.
I recently transfer UR to Virgin Atlantic with 30% bonus (until 11/15), redeemed ANA First class for SFO-NRT with 72500
72500 / 1.3 = 55769 let say 56000 UR POINT
First class ticket on the same day would cost
1,529,550 YEN exchange for USD at 1USD/149 yen is $10265 USD
ANA First class ticket SFO-NRT = $10265 USD
$10265 USD / 56000 UR = 018 which is 18 cents per dollar
7500 UR point x 0.18 = $1350
P.s. My redeemed ticket is actually the Full Flex one since I already reserved my seat, anyway not going to redo whole calculation
It is like a a bar code in your e-mail to scan at register?
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Yes it does. You will get 7 percent back.
It is like a a bar code in your e-mail to scan at register?
Yes yes
Did you mean 8%cb? 5+3?
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