topic Re: Freedom Q120 5% revealed. in Credit Cards

Freedom Q1 2020 5% revealed.

Anonymous — Thu, 12 Dec 2019 18:43:47 GMT

Freeeeeeeeeeeeeedom!

gas stations, select streaming services, and internet, cable, and phone services https://onemileatatime.com/chase-freedom-categories/?utm_source=BoardingArea&utm_medium=BoardingArea

gonna test to see if gc inside 7-11 is coded as gas, lol. Still may not max it even if it does, 8% isn't really a top rate.

Re: Freedom Q120 5% revealed.

simplynoir — Thu, 12 Dec 2019 18:43:30 GMT

Blah, bad quarter for me since the big spending ones are the streaming and internet/cable/phone services which Ink Cash already covers. I guess if I want to show personal card some spend again I could switch it over but that's basically a lateral move

Re: Freedom Q120 5% revealed.

K-in-Boston — Thu, 12 Dec 2019 18:51:20 GMT

Meh. I'll get my $30/month of spend on gas filling up in Q1. Netflix is already prepaid for like a year. Anyone know if Verizon FIOS actually triggers Chase's internet/cable/phone category? It doesn't for US Bank Cash+, as the Visa MCC is somehow "calls placed through magnetic stripe-reading telephones" for FIOS.

Re: Freedom Q120 5% revealed.

simplynoir — Thu, 12 Dec 2019 18:55:09 GMT

@K-in-Boston wrote:
Meh. I'll get my $30/month of spend on gas filling up in Q1. Netflix is already prepaid for like a year. Anyone know if Verizon FIOS actually triggers Chase's internet/cable/phone category? It doesn't for US Bank Cash+, as the Visa MCC is somehow "calls placed through magnetic stripe-reading telephones" for FIOS.

This is on the Ink Cash and the datapoint is from 2014 but still the same category so with that in mind yes it does seem to count as 5X with Chase

https://www.flyertalk.com/forum/23276362-post9.html

Re: Freedom Q120 5% revealed.

CreditCuriosity — Thu, 12 Dec 2019 19:08:30 GMT

Meh quarter as DU will take care of gas although suppose can slip i between DU/Freedom as UR's still hold at least 5% CB or higher wih CSR, etc... Streaming I am not going to bother changing netflix sub etc to it for 3 monhs ot much hassle. I will use it a bit, but certainly won't be able to max it for the quarter

Re: Freedom Q1 2020 5% revealed.

Man-Of-Steel — Thu, 12 Dec 2019 19:34:10 GMT

I get the feeling that I might be one of the few around here that likes the new upcoming categories. I currently don't have any cards that get better than 2% for the new quarter, so I'm pleased with these selections (happy about the upcoming Discover quarter as well).

Re: Freedom Q120 5% revealed.

mongstradamus — Thu, 12 Dec 2019 22:27:08 GMT

@simplynoir wrote:
@K-in-Boston wrote:
Meh. I'll get my $30/month of spend on gas filling up in Q1. Netflix is already prepaid for like a year. Anyone know if Verizon FIOS actually triggers Chase's internet/cable/phone category? It doesn't for US Bank Cash+, as the Visa MCC is somehow "calls placed through magnetic stripe-reading telephones" for FIOS.
This is on the Ink Cash and the datapoint is from 2014 but still the same category so with that in mind yes it does seem to count as 5X with Chase

https://www.flyertalk.com/forum/23276362-post9.html

as an ink cash user I will keep netflix, cable , cell phone with it. 5x on gas is decent , better than the normal 3x I would get with my premeir so i am not going to be complaining too much about that.

Re: Freedom Q120 5% revealed.

Anonymous — Thu, 12 Dec 2019 22:28:58 GMT

I wish I had this card. Comcast bill is $139.99 a month. Prepay $1500 of that $1679.88 and pocket $75? I would jump all over that.

Re: Freedom Q120 5% revealed.

wasCB14 — Thu, 12 Dec 2019 23:11:01 GMT

The marginal value beyond BCP (which I plan to downgrade in ~9 months), the Costco Visa, and Amex offers is pretty low. And I don't spend a lot in any of those categories.

I'm going to miss Chase Pay. Q1 Freedom doesn't make the case to keep CSR any stronger.

Re: Freedom Q120 5% revealed.

Revelate — Fri, 13 Dec 2019 04:44:41 GMT

@simplynoir wrote:
@K-in-Boston wrote:
Meh. I'll get my $30/month of spend on gas filling up in Q1. Netflix is already prepaid for like a year. Anyone know if Verizon FIOS actually triggers Chase's internet/cable/phone category? It doesn't for US Bank Cash+, as the Visa MCC is somehow "calls placed through magnetic stripe-reading telephones" for FIOS.
This is on the Ink Cash and the datapoint is from 2014 but still the same category so with that in mind yes it does seem to count as 5X with Chase

https://www.flyertalk.com/forum/23276362-post9.html

Absolutely did on my own Ink Cash up until VZ sold the service in my area. Actually every single one of my VZ services business or personal has been counted by Chase in that category.

Back on topic though probably another Freedom flatline quarter for me... not going to bother moving the Netflix sub and the Internet / phone still sits on the Ink Cash and I have zero intentions for driving a gasoline car again other than the rentals I get stuck with. I may be heading to AZ and FL a bit though for projects for a few days each in January, and it doesn't really matter which card I put those particular transactions on so maybe I will trot out the Freedom again for my usual ~$6 gas bill (not doing a lot of driving while on projects).

Then again doesn't really seem to be worth the effort other than a swipe on a card that has been nearly flatlined for most of the last two years. Pretty awkward when I look at the Chase app and the most recent transactions are in 2018 on that card other than some random $10 at a drive through during the card activity tour I did in June of this year.

Re: Freedom Q1 2020 5% revealed.

NRB525 — Fri, 13 Dec 2019 05:04:05 GMT

I think the internet portion may work well for me. Gasoline also.

I am getting several pleasant surprises this quarter on PayPal, including an annual dues payment for a professional certification org I belong to. $260 that would otherwise be no category anywhere. Gift buying online is another example.

Re: Freedom Q1 2020 5% revealed.

Anonymous — Fri, 13 Dec 2019 11:19:34 GMT

I did my math.

Pay 6 months of internet in 3 month: 450

Pay gas for 3 cars: 200

Get some amazon/google GC if I run out of other better offers: 100

hard to max this quarter, lol.

Thought about paying my s-corp internet and phone, but then realized the tax advantage of paying through business card outweights 8% from this (no, I don't mix personal/biz spending).

Re: Freedom Q1 2020 5% revealed.

Revelate — Fri, 13 Dec 2019 12:03:04 GMT

@Anonymous wrote:
I did my math.

Pay 6 months of internet in 3 month: 450
Pay gas for 3 cars: 200
Get some amazon/google GC if I run out of other better offers: 100

hard to max this quarter, lol.

Thought about paying my s-corp internet and phone, but then realized the tax advantage of paying through business card outweights 8% from this (no, I don't mix personal/biz spending).

It's not even about taxes: keep the tradelines and expenses ruthlessly separated or your might lose your liability shield... an s-corp is a separate legal entity, it's not something to play around with unlike the SP status so many people on this forum claim (and I admittedly have somewhat abused that myself).

Anyway the mixing of expenses and tradelines is a serious whoopsie if it ever comes to a legal issue in the future: while it's admittedly hard to track and therefore rare to prove, if demonstrated, they can now go after your personal assets not just the corporate ones. A couple more UR aren't worth risking your car or your house or your personal investments.

Re: Freedom Q1 2020 5% revealed.

Anonymous — Fri, 13 Dec 2019 12:14:31 GMT

Love how this card has fit all my needs needs almost every quarter, no trouble maxing out each quater.

Can always use 5X on gas, just bought a new F150 and been doing some driving!

I am hoping at least 1 quater will be wholesale clubs this year.

Looking forward to the rest of the year of 5X!

Re: Freedom Q1 2020 5% revealed.

randomguy1 — Fri, 13 Dec 2019 14:43:41 GMT

I hope cards start coding for cash/charge for EV cars. Unless I buy GCs, I have no need for gas cards.

Re: Freedom Q120 5% revealed.

mongstradamus — Fri, 13 Dec 2019 21:43:31 GMT

@Anonymous wrote:
I wish I had this card. Comcast bill is $139.99 a month. Prepay $1500 of that $1679.88 and pocket $75? I would jump all over that.

if you can get an ink cash no af doesn't add to your 5/24 , and you can do that with Cell phone bills and cable tv bills, and netflix for that matter.

Re: Freedom Q120 5% revealed.

Anonymous — Fri, 13 Dec 2019 21:47:08 GMT

@mongstradamus wrote:
@Anonymous wrote:
I wish I had this card. Comcast bill is $139.99 a month. Prepay $1500 of that $1679.88 and pocket $75? I would jump all over that.
if you can get an ink cash no af doesn't add to your 5/24 , and you can do that with Cell phone bills and cable tv bills, and netflix for that matter.

I can't get any Chase cards with a BK and I definitely can't get a business card. Being on disability and all. Thanks though.

I will try for a Cash+ again when my BK falls off but for now I get 3% which isn't awful.

Re: Freedom Q120 5% revealed.

Anonymous — Sat, 14 Dec 2019 03:44:08 GMT

I got a boat load of gas cards from the WF earn more mall 10% deal that will take me into April. I can do cable/internet and cell phone.

The 5% cards have a lot of categories that are hard to max out. CF, DISCOVER IT, and US Bank. Restaurants are the only one I can max out every quarter. Or Chase pay sometimes, but I bet Chase pay offer won't be

Re: Freedom Q120 5% revealed.

K-in-Boston — Thu, 09 Jan 2020 15:17:50 GMT

Thought I would update this thread with a datapoint that while it's listed as "Verizon Wireless," Verizon FIOS internet/TV/phone autobilling does trigger the 5x category for Freedom this quarter even though it's not listed in the merchant list, and unlike US Bank Cash+ in my experience.

Re: Freedom Q120 5% revealed.

Anonymous — Sun, 07 Feb 2021 03:05:50 GMT

FYI, you need to select the cell phone category to get 5% back on Verizon FiOS with the US Bank Cash+ card. Seems odd, but that's how it codes.

Glad to hear it works with Freedom this quarter, I was going to do a $1 test charge to verify (probably still will do that).