topic Re: Chase Freedom & Chase Pay Merchant Coding in Credit Cards

Chase Freedom & Chase Pay Merchant Coding

K-in-Boston — Mon, 18 Jun 2018 14:41:09 GMT

I've been using Chase Pay at my nearest Shell station this quarter and have found it to be great since I just open the app, click Shell, enter my pump number and then enter the code it gives me into the pump, automatically applying my credit to the Fuel Rewards program, giving me 5% back in URs for using Chase Pay, and not risking my physical card being skimmed. So my question is, with Gas Stations being one of the 5% categories for Q3, if I continue using Chase Pay like this, will I get the 5% credit for "gas stations" or or will I get the 1% for non-category since I'm using Chase Pay? I'm assuming it would still count as a gas purchase, but I was hoping perhaps someone knew the answer to this, perhaps from using Chase Pay in an earlier quarter on a bonus category.

Also, on the subject of Chase coding, anyone know for sure whether Chase still gives the 5% back on gas purchases in Canada? We did get 2x on CSP from most restaurant purchases in France, Hong Kong, and Japan this year.

Re: Chase Freedom & Chase Pay Merchant Coding

NRB525 — Mon, 18 Jun 2018 15:10:30 GMT

You can try opening Shell transactions this quarter, in your Chase on-line list of transactions on the website. This breaks down the components of how your points were determined.

Use the same method on July 1 when you run your first Shell ChasePay transaction. After it posts, go to Chase website, and see what it tells you for the transaction points.

My guess is it will reflect Gas and that Payment Method is a different part of the coding.

Re: Chase Freedom & Chase Pay Merchant Coding

K-in-Boston — Mon, 18 Jun 2018 15:16:49 GMT

It shows the bonus points for Chase Pay since Chase Pay is a current 5% category. I'd hate to not know this going into July. As we all know, the loss of 140 UR points from a single fill-up may mean the difference between my family flying economy and staying at a Category 3 hotel near O'Hare, or flying business and staying in the St. Regis Bora Bora.

Re: Chase Freedom & Chase Pay Merchant Coding

iheartwings — Mon, 18 Jun 2018 17:02:12 GMT

Two things.

Had you used Chase Pay in Q1 at Shell? If so, you can probably go back and look at your points earning statement to see if the transaction got 4 extra points for Gas Station or 4 extra points for mobile wallets.

This quarter, I've been using my CF via ApplePay at the groceries and have been getting 5% back this quarter. I guess this should hold this would hold true as long as the merchant code codes as a gas station.

Re: Chase Freedom & Chase Pay Merchant Coding

iheartwings — Mon, 18 Jun 2018 17:08:42 GMT

Forgot in my previous post - I thought the Chase Freedom still had a FTF? Assuming this is still the case, you'd be losing 3 points/$ on every transaction. Though, that would still result in a net 2 points/$.

Other data for bonus categories on other Chase cards - I got 2 points/$ spent at Tesco in the UK using my Amazon Prime Visa.

Re: Chase Freedom & Chase Pay Merchant Coding

K-in-Boston — Mon, 18 Jun 2018 17:22:23 GMT

@iheartwings wrote:
Two things.

Had you used Chase Pay in Q1 at Shell? If so, you can probably go back and look at your points earning statement to see if the transaction got 4 extra points for Gas Station or 4 extra points for mobile wallets.

This quarter, I've been using my CF via ApplePay at the groceries and have been getting 5% back this quarter. I guess this should hold this would hold true as long as the merchant code codes as a gas station.

I think it probably will work fine and code as gas. I didn't begin using Chase Pay until they added Shell as one of two merchants (Five Guys is the other) you can prepay with the app during this quarter.

@iheartwings wrote:
Forgot in my previous post - I thought the Chase Freedom still had a FTF? Assuming this is still the case, you'd be losing 3 points/$ on every transaction. Though, that would still result in a net 2 points/$.

Other data for bonus categories on other Chase cards - I got 2 points/$ spent at Tesco in the UK using my Amazon Prime Visa.

iheartiheartwings!! With a wallet loaded with no-FTF cards, I had completely forgotten about this. Looks like I'll be sticking with SPG or using Citi Premier for 3x instead for Canada. Thank you!