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Frequent Contributor
Meltdownblitz
Posts: 374
Registered: ‎06-01-2011

Re: CSP + Freedom + Checking. Use wisely.

Ok I'm very sorry but I read the first post about 3 times and I am stilla bit confused. So if I'm understanding correctly, to maxmize rewards/points, for the restaurant and travel categories under $10 I would use the freedom, and anything over $10 in these 2 categories I use the CSP, this correct?

 

So what card do I use if I make a purchase in a different category? For instance $50 at Walmart, which card do I put it on..? Or does this technique only apply to these 2 categories to maximize rewards?

 

Sorry for the confusion. Thank you.


 
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FrugalRican
Posts: 2,876
Registered: ‎02-02-2012

Re: CSP + Freedom + Checking. Use wisely.

Anything else goes on the Freedom.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Valued Contributor
discernment
Posts: 1,142
Registered: ‎09-01-2011

Re: CSP + Freedom + Checking. Use wisely.

We've had the Chase checking for years, and have greatly enjoyed the Chase UR debit card (and still do!), the debit card currently has a promotion where you get 100 points for every $10 spent at the Dollar Tree (my husband's favorite store). :smileyhappy:  

 

We are really anxious for the day when we can qualify for the Freedom and Sapphire Preferred, even if that's about 2 years away! Hopefully, all these good deals and promotions will still be around then. 

 

This is one of the best rewards deals I've ever read about.



Husband's Current Score: EX 691 CUSC; EQ 694; TU 687; Mine: EX 773 (AMEX); EQ 720; TU 750
Wallet Contents: SECURED: Capital One Platinum Mastercard, US Bank Harley Davidson Visa, USAA Bank American Express;
UNSECURED: Chase Freedom; USAA Cash Rewards World Mastercard, Discover More, CUSC Platinum Rewards Visa, American Express Zinc, American Express Blue Cash Preferred, Amazon Card, Walmart Discover Card
Frequent Contributor
Mike360
Posts: 433
Registered: ‎03-19-2010

Re: CSP + Freedom + Checking. Use wisely.

i really wish Chase would open some branches in my area.....

~~In my wallet: Best Buy $7500, Dell Preferred $5500, Discover IT $4000, Chase Freedom $3500, Barclays NFL Extra Points $3300, Sears $2800, Bill Me Later $2100, CapOne Platinum $2000, Kohls $1500, Target $200
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FrugalRican
Posts: 2,876
Registered: ‎02-02-2012

Re: CSP + Freedom + Checking. Use wisely.

As of the last week or so, every card has taken a severe backseat to my Freedom.

The Groceries cashback has been in heavy rotation for me.

I buy a coffee regularly from Wawa, so as of the last 8 days or so, I have about 16 transactions between a whole bunch of things.

16 transactions = 160 points, just for having those transactions.

 

Fascinating.

 

And going to hit the movies tomorrow with the Freedom, actually gonna use it for the 5% cashback as well there too.

 

BCE has practically been SD'ed. Not too happy about that, but I feel that as a low spender, the Freedom benefits me the most.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Valued Contributor
navigatethis12
Posts: 1,881
Registered: ‎01-24-2012

Re: CSP + Freedom + Checking. Use wisely.

Has anyone been able to activate this without going into a branch? I just opened an account but the closest branch is about three or four hours away.

Established Contributor
jefftca925
Posts: 683
Registered: ‎08-14-2008

Re: CSP + Freedom + Checking. Use wisely.

I love the versatility of the UR program.  If you have the CSP card you can transfer points to any of their travel partners (United, Southwest, Marriott, British Airways, etc.).  So if you need a little bump to get a free flight or a night stay at one of the partner hotels, you can transfer points to one of those programs (you must be a member first of course).  I travel quite a bit during the year so this is a great benefit.

 

PLUS!!  I just have to say this again... The Sapphire CSRs are the BEST!  They are so helpful and so polite.  They are definitely trying to give American Express a run for their money.  (I love AmEx too by the way) :smileyvery-happy:

CCs: Chase Freedom World MC 6.9k, CSP VISA Sg 7k, BofA Amex 12.5k, Discover 10.5k, US Bank Cash+ Visa Sg 12.5k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 9.2k, Citi AA Amex 6k, Nordstrom Visa Sg 10k, Amex Zync, Costco Amex 12k, BofA CR Visa Sg 17k, Amex BCP 9.5k, Amex Blue 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 4k, NFL Visa 4k, Patelco Visa 10k, Penfed PR Visa 44.6k, Chase United Visa Sg 13k, Chase Marriott Visa Sg 8k, Citi Simplicity 11.4k, PayPal MC 5k, Compass Visa 4k, WF Visa Sg 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 10.8k, Capital One QS Visa 3k, FRN MC 12k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Barclay Arrival 10k, Ebates Visa Sg 8k FICOs as of June '14...EQ 808 TU 804 EX ?
Member
JHav
Posts: 11
Registered: ‎04-19-2012

Re: CSP + Freedom + Checking. Use wisely.

I was looking into this combo, but I was curious does any other card come close to this? Would an AMEX gold/AMEX SPG beat this? Or what about if you ran everything through a Capital1 Venture? Or the last one I could think of would be the Citi thank you give this a combo a run for its money?
Wallet: AMEX Zync, Chase Freedom, Citi Forward
Sock Drawer: Georgia's Own Visa, Capital One Cash Rewards
Senior Contributor
john398
Posts: 3,513
Registered: ‎01-19-2009

Re: CSP + Freedom + Checking. Use wisely.


discernment wrote:

We've had the Chase checking for years, and have greatly enjoyed the Chase UR debit card (and still do!), the debit card currently has a promotion where you get 100 points for every $10 spent at the Dollar Tree (my husband's favorite store). :smileyhappy:  

 

We are really anxious for the day when we can qualify for the Freedom and Sapphire Preferred, even if that's about 2 years away! Hopefully, all these good deals and promotions will still be around then. 

 

This is one of the best rewards deals I've ever read about.


I thought the ended the debit program

Valued Contributor
bribro
Posts: 1,367
Registered: ‎04-20-2012

Re: CSP + Freedom + Checking. Use wisely.


JHav wrote:
I was looking into this combo, but I was curious does any other card come close to this? Would an AMEX gold/AMEX SPG beat this? Or what about if you ran everything through a Capital1 Venture? Or the last one I could think of would be the Citi thank you give this a combo a run for its money?


I don't think anyone can touch the Chase trifecta for small purchases. You can buy a $1 soda and essentially get 11.1x points.

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)

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