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Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
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Chase Freedom & Bars

Do bars count in the 5%?  I was looking at my amex transactions, and it showed as restaurant, to I know what is a bar. They serve no food. 

 

Any input? 

I know its late in the quarter but IM going out and might be spending enough to make the 5% work for me, rather then just cash. 

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Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: Chase Freedom & Bars


creditnocash wrote:

Do bars count in the 5%?  I was looking at my amex transactions, and it showed as restaurant, to I know what is a bar. They serve no food. 

 

Any input? 

I know its late in the quarter but IM going out and might be spending enough to make the 5% work for me, rather then just cash. 


Amex merchant category codes (MCC) and Visa/MC are not necessarily the same. That being said, there's a decent chance that it might be coded as a restaurant for Visa/MC. Worst case scenario -- you use your Chase Freedom and get 1% back, which is still better than 0% with cash. Best case, of course -- you get the 5%. I would use the Freedom and see how it shows up on your statement.


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Valued Contributor
SnackTrader
Posts: 1,566
Registered: ‎09-15-2012
0

Re: Chase Freedom & Bars

So, I haven't found this problem with the Freedom yet, but I know with my Forward that there are bars coded as "Restaurants - Drinking/Bars" or something like that. Those are given only 1% compared to "Restaurants - Eating/Dining". I forget the exact titles, but there is a difference. Finding which places are coded in which manner is a toss up, and as Tinu stated, your best bet is to just give it a try and see what happens. Then just remember that for next time :smileywink:

In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Super Contributor
enharu
Posts: 6,963
Registered: ‎02-27-2013
0

Re: Chase Freedom & Bars


SnackTrader wrote:
So, I haven't found this problem with the Freedom yet, but I know with my Forward that there are bars coded as "Restaurants - Drinking/Bars" or something like that. Those are given only 1% compared to "Restaurants - Eating/Dining". I forget the exact titles, but there is a difference. Finding which places are coded in which manner is a toss up, and as Tinu stated, your best bet is to just give it a try and see what happens. Then just remember that for next time :smileywink:

+1

It is just 1% to my knowledge.

The only cards that gives 3-5% for all kinds of restaurants are by Citi.

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Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Chase Freedom & Bars

Depends on the bar. The bar i go to is a restaurant during the day and a bar at night so the transactions look like this.

"604 grill BBQ restaurant"

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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Chase Freedom & Bars

I was in this situation last night, decided to give it to the PRG instead.




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