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Chase Freedom 2022 Q4 - Paypal and Walmart

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gdale6
Moderator Emeritus

Re: Chase Freedom 2022 Q4 - Paypal and Walmart

Well, well I will be SDing my Freedom and Freedom Flex, dont use paypal and have Walmart card that returns 5% for online orders. For some these cats will be quite useful. Thanks for reporting the cats there UncleB!

Message 11 of 20
CreditAggie
Community Leader
Super Contributor

Re: Chase Freedom 2022 Q4 - Paypal and Walmart

Those are solid categories that will get some spend from me this quarter.

 

I will be forever jealous of everyone that had PayPal Key since that feature was never available for my account during its limited run.

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 12 of 20
calisig
Regular Contributor

Re: Chase Freedom 2022 Q4 - Paypal and Walmart

sucks for me - rarely use paypal, and it wouldn't matter if it was 10% for walmart for me - not my thing. Too bad - CFF SD for Q4 for me. Hopefully next quarter will be more useful ...

13Oct22 Exp F8: 812
Message 13 of 20
Mdowning30
Established Contributor

Re: Chase Freedom 2022 Q4 - Paypal and Walmart

Now Chase just needs to change the 3% on Drugstores to Gas !

Chase Freedom Unlimited : $6000 | Discover It Chrome : $3500 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $5000 | Chase Amazon Prime : $2000 | AmEx Hilton Surpass : $1000 | AmEx Business Plus : $2000 | AmEx Platinum CS : POT $2800 | Tower Federal CU : $15,000 | Lowes Commercial Account : $1,000 | WF Bilt Mastercard : $4,000 | Shell Fleet Plus : $1,000
Total Credit Limit : $42500
Experian FICO 8 : 694
| Experian Vantage : 701 | TransUnion FICO 8 : 683 | TransUnion Vantage : 695 | Experian FICO 9 : 665
Starting Score: 512
Current Score: 693
Goal Score: 700+

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Message 14 of 20
UncleB
Credit Mentor

Re: Chase Freedom 2022 Q4 - Paypal and Walmart


@WasteMgmt wrote:

Is it common for people with 2 Freedom cards to hit the cap? I usually end up hitting maybe a quarter to half of it.


It depends on the quarter and what the categories are.

 

For me, the grocery and WM/Paypal quarters are easy to max-out on two Freedom cards.  The other quarters/categories, not so much.  Of course this will vary from person to person depending on their spend patterns.

Message 15 of 20
NRB525
Super Contributor

Re: Chase Freedom 2022 Q4 - Paypal and Walmart

PSA regarding PayPal. 

I have multiple credit cards in my PayPal account, with Chase Freedom as the preferred payment method for basic PayPal. However, many merchants do not have a method to allow you to choose which card you want to use, within PayPal. 

Starbucks allows Starbucks Card reloads through PayPal, however the PayPal website for me has Starbucks as a "subscription" reload, with a different card assignable within that Subscription. It's not automatic, but the card that was in the PayPal --> Starbucks Subscription was my AMEX Platinum, from back in the time when Platinum had extra points for PayPal.

 

So, best to review your PayPal Subscriptions setup on the website for various merchants prior to going all-in on PayPal purchases Smiley Happy 

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 16 of 20
Anonymous
Not applicable

Re: Chase Freedom 2022 Q4 - Paypal and Walmart


@kilroy8 wrote:

Love it!

With OG Freedom and Flex both, I'll have double chances to see the Women of Walmart. PayPal always nice, but yeah, nicer with PPKey.


Wha does this mean 😅

Message 17 of 20
xenon3030
Valued Contributor

Re: Chase Freedom 2022 Q4 - Paypal and Walmart

Are PP and Walmart cashbacks stackable to get 10% (paying with PP at Walmart)?


Fico8: EX~EQ~TU~810 (12 month goal~840).
BOA (CCR, UCR), Chase (CFF, CSP, Amazon, CIC, CIU), US Bank (Cash+, AR, Go, Ralphs), Discover, Citi (CCC, DC, SYW), Amex (BCP, HH, Biz Gold, BBC, BBP), Affinity CR, Cap1(Walmart), Barclay View.
Message 18 of 20
CaptJOB
Regular Contributor

Re: Chase Freedom 2022 Q4 - Paypal and Walmart


@xenon3030 wrote:

Are PP and Walmart cashbacks stackable to get 10% (paying with PP at Walmart)?


Freedom stacks only get 9x URs(four bonus for each category). Looks like someone asked on Reddit two years ago about this particular combo and Chase made sure not to let this one stack. Only SUB bonus categories allow the 9x earn as far as I know.

Message 19 of 20
CaptJOB
Regular Contributor

Re: Chase Freedom 2022 Q4 - Paypal and Walmart


@CaptJOB wrote:

@xenon3030 wrote:

Are PP and Walmart cashbacks stackable to get 10% (paying with PP at Walmart)?


Freedom stacks only get 9x URs(four bonus for each category). Looks like someone asked on Reddit two years ago about this particular combo and Chase made sure not to let this one stack. Only SUB bonus categories allow the 9x earn as far as I know.


I think I discovered that I'm wrong. I saw DPs from 21' that Lyft/Paypal and CVS/Paypal earned 9x and 7x respectively in which case the stack should work with all standard bonus categories on the card. I took a Lyft to the airport this morning and used Paypal/Freedom Flex so I'll report back when that charge posts.

Message 20 of 20
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