Posts: 22
Registered: ‎10-04-2012

What is your spending patern with Chase FREEDOM 10+10 program?

We all know that Freedom is a strong no-AF rewards card, especially with rotating 5% categories and the 10+10 program.


My question is regarding your use during the off 5% categories, IF you have other rewards cards in your portfolio. For example, take dining. If you have a card that gives you, let's say, 2% back, what is the cut off for you to switch over from the Freedom to that card? $10? $15 dollars? $20?


Reason why I ask is because I have both the Freedom and an Amex Zync with the restaurants pack, and while it makes sense to use the Freedom for >$10 because you effecitively double your UR points, I'm trying to decide if I should use my Freedom for smaller food purchase, i.e. coffee and fast food, and Zync for everything else. I value MR points slightly higher than UR points, btw (I have an Amex PRG but no Saphhire Preferred, yet).

Established Contributor
Posts: 825
Registered: ‎12-28-2011

Re: What is your spending patern with Chase FREEDOM 10+10 program?

I use Freedom in the 5% categories until the $1500 cap is reached for that quarter. Then I switch over to another card, for dining its Citi Forward. How large or small a transaction is doesn't affect whether I use the card.

Posts: 114
Registered: ‎12-29-2008

Re: What is your spending patern with Chase FREEDOM 10+10 program?

I have the same set up as you OP (including the 10+10 with the checking account). I do not have enough income to run a lot of money through all my cards at once, so i have to rotate with heavy usage by quarters. 


I run heavily through my freedom when the bonus categories fit my life style (i.e. gas, food, movies). Now that the gas and restuarant program is up, i am running everything through my zync (unless its online which i run through my discover through shop discover store, due to current bonus), not so much for the points, but because i am trying to build my internal credit score so i can apply for a PRG, SPG, or BCP next year. Hopefully the points build up as well so i can use them for travel some time in the future. 

2/2011=EQ: 590
11/2012=EQ: 683 (after 4 card app spree and reporting)
10/2013=EQ: 708 (reached my goal!! for 2013) EX(amex): 668 TU(Disc):680
Goal = 725 by 6/2014
Amex Zync/NPSL | Amex Green/NPSL | AMEX BCP/15k | Chase Freedom/2.2K | Best Buy/800 | Discover IT/6.4K | Citi HHonors Reserve/3K | Chase Hyatt/5k | Sapphire Preffered/9K

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