Chase Freedom 5% categories July-September Amazon.com and Whole Foods

[ChazzieT]

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@Anonymous wrote:

Not to get into the category hate discussion, but since when did we have to activate the 1% off???

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I initially though it was saying that as well, but that button activated the 5% category just like the one above it. The resulting page reminds you that the 1% is automatic.

[minski]

Thanks for this.

I actually spend an unfortunate (for me) amount at Amazon and this year I get 3 quarters of 5% casb back there. Yay?

Citi Dividend-->Chase Freedom-->Discover It

[longtimelurker]

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@minski wrote:
Thanks for this.

I actually spend an unfortunate (for me) amount at Amazon and this year I get 3 quarters of 5% casb back there. Yay?

Citi Dividend-->Chase Freedom-->Discover It

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If Amazon is a big spend, why not have a dedicated Amazon card so you don't rely on the issuer choosing it as a category!

[minski]

I did. I closed it in an attempt not to spend so much there. Due to COVID my spend increased.

[wasCB14]

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@longtimelurker wrote:

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@minski wrote:
Thanks for this.

I actually spend an unfortunate (for me) amount at Amazon and this year I get 3 quarters of 5% casb back there. Yay?

Citi Dividend-->Chase Freedom-->Discover It

---

If Amazon is a big spend, why not have a dedicated Amazon card so you don't rely on the issuer choosing it as a category!

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I've considered an Amazon card, and my spend there has risen, but a few things hold me back:

1. A fairly high ratio of existing credit to easily-documented income with Amex and Chase...and a lack of interest in dealing with Synchrony.

2. 5/24

3. Little or no SUB

4. I usually have some alternative worth about 5%:

- WWFCR's 5.25%, though it's capped and my Costco spend uses some of the cap.

- Two Freedoms and a Discover.

- Amex offers for extra points or a discount when using at least one MR.

 If I spread my spend a bit, I can more or less stay within existing bonus caps.

[randomguy1]

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@wasCB14 wrote:

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@longtimelurker wrote:

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@minski wrote:
Thanks for this.

I actually spend an unfortunate (for me) amount at Amazon and this year I get 3 quarters of 5% casb back there. Yay?

Citi Dividend-->Chase Freedom-->Discover It

---

If Amazon is a big spend, why not have a dedicated Amazon card so you don't rely on the issuer choosing it as a category!

---

I've considered an Amazon card, and my spend there has risen, but a few things hold me back:

1. A fairly high ratio of existing credit to easily-documented income with Amex and Chase...and a lack of interest in dealing with Synchrony.

2. 5/24

3. Little or no SUB

4. I usually have some alternative worth about 5%:

- WWFCR's 5.25%, though it's capped and my Costco spend uses some of the cap.

- Two Freedoms and a Discover.

- Amex offers for extra points or a discount when using at least one MR.

 If I spread my spend a bit, I can more or less stay within existing bonus caps.

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It's not always Synchrony though.

Chase ($75 SUB):

https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature-Card/dp/BT00LN946S

Then AMEX has a business version ($125 SUB):

https://creditcard.americanexpress.com/amazon/?utm_mcid=3575152&utm_source=google&utm_medium=cpc&utm...

[wasCB14]

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@randomguy1 wrote:

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@wasCB14 wrote:

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@longtimelurker wrote:

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@minski wrote:
Thanks for this.

I actually spend an unfortunate (for me) amount at Amazon and this year I get 3 quarters of 5% casb back there. Yay?

Citi Dividend-->Chase Freedom-->Discover It

---

If Amazon is a big spend, why not have a dedicated Amazon card so you don't rely on the issuer choosing it as a category!

---

I've considered an Amazon card, and my spend there has risen, but a few things hold me back:

1. A fairly high ratio of existing credit to easily-documented income with Amex and Chase...and a lack of interest in dealing with Synchrony.

2. 5/24

3. Little or no SUB

4. I usually have some alternative worth about 5%:

- WWFCR's 5.25%, though it's capped and my Costco spend uses some of the cap.

- Two Freedoms and a Discover.

- Amex offers for extra points or a discount when using at least one MR.

 If I spread my spend a bit, I can more or less stay within existing bonus caps.

---

It's not always Synchrony though.

Chase ($75 SUB):

https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature-Card/dp/BT00LN946S

Then AMEX has a business version ($125 SUB):

https://creditcard.americanexpress.com/amazon/?utm_mcid=3575152&utm_source=google&utm_medium=cpc&utm...

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I could request a CLD on one or more of my 5 Chase cards to free up room for new credit. I don't use them much.

I have higher balances in no-fee Plans with Amex and wouldn't want to do the same there...plus I'm at 5 revolvers already so adding 1 might mean I'd have to close 2 with the new cap of 4 revolvers in most cases.

[ChazzieT]

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@randomguy1 wrote:

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I've considered an Amazon card, and my spend there has risen, but a few things hold me back:

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Take a look at the Affinity FCU Cash Rewards Visa and Hi5 program. The Hi5 stacks on top of the card (which gives 5% on all bookstores, including amazon, year round) and gives you an additional 5%, so during that quarter you get 10% back on amazon. They also give 2% on gas, groceries, and something else I can never remember. These stack to 7% during the right quarter.

I don't have a checking account with them, but I think the Hi5 program can be attached to your debit card for cash back.

You have to join the CU, but they have some other perqs as well. I joined up a couple of months back and will be apping for it to replace my Synchrony Amazon Prime card as soon as I get the US Bank Cash+.

[ChazzieT]

Just checked and I'm getting 2.0%  APR on the first $2500 in my Affinity savings account.

[ChazzieT]

And the card has a $200/$3000/90 day SUB at the moment.

(Don't apply till you have the Cash+, Don't apply till you have the Cash+, Don't apply till you have the Cash+, Don't apply till you have the Cash+, Don't apply till you have the Cash+, Don't apply till you have the Cash+, Don't apply till you have the Cash+...)