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Chase Freedom Flex top spend category

M_Smart007
Epic Contributor

Re: Chase Freedom Flex top spend category

I thought I was left out, but found it burried in the inbox.

 

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Message 61 of 94
xenon3030
Established Contributor

Re: Chase Freedom Flex top spend category

Since the SUB is very small, I requested to PC my CF to CFF and the card should arrive early next week Smiley Happy


Fico8: EX~EQ~TU~780 (12 month goal~840).
BOA (Custom Cash Rewards, Better Cash Rewards, Premium Rewards), Chase (CFF, CSP, Amazon), US Bank (Cash+, Altitude Go/Connect), Discover, Amex (BCP, HH), Walmart/Cap1, Barclay View.
Message 62 of 94
Remedios
Moderator

Re: Chase Freedom Flex top spend category


@xenon3030 wrote:

Since the SUB is very small, I requested to PC my CF to CFF and the card should arrive early next week Smiley Happy


SUB is identical to (or higher) to at least 5 cards in your sig and higher than at least 3, so obviously not a main criteria for you, correct? 

 

If you cannot max quarters on both Freedoms, that's definitely a reason to do PC instead of applying, but if you can, "SUB too small" kinda doesn't make sense since you have CSP to transfer URs to, from SUB and purchases. 

Even if you weren't transferring, it's $150 per quarter with two Freedoms, and that's a rather nice return. 

Message 63 of 94
Crowhelm
Frequent Contributor

Re: Chase Freedom Flex top spend category


@xenon3030 wrote:

Since the SUB is very small, I requested to PC my CF to CFF and the card should arrive early next week Smiley Happy


I don't know, for a cashback sub $200 is pretty nice. Especially if you consider it only requires a $500 spend.  In fact, I will probably get my own Freedom Flex (yes, first stop being an AU on my wife's card) for the nice sub, and just because this card has a ton of potential. 


Message 64 of 94
xenon3030
Established Contributor

Re: Chase Freedom Flex top spend category

SUB of 200$ after spending only 500$ is very excellent. I was comparing the 200$ SUB to CSP and US Bank Connect in my mind Smiley Happy.

 

Since I may want to purchase a new car at the end of the year, I did not risk to apply for CC now. Having one CF or CFF is sufficient for the moment for me. I have BOA CCR for online shopping (3%*1.75=5.25%), Discover 5% rotating categories and AMEX BCP for 6% groceries.


Fico8: EX~EQ~TU~780 (12 month goal~840).
BOA (Custom Cash Rewards, Better Cash Rewards, Premium Rewards), Chase (CFF, CSP, Amazon), US Bank (Cash+, Altitude Go/Connect), Discover, Amex (BCP, HH), Walmart/Cap1, Barclay View.
Message 65 of 94
Aim_High
Senior Contributor

Re: Chase Freedom Flex top spend category

This discussion and the options are making my head hurt.  I think I need to wait to see if the "highest spend category" bonus becomes regular or even permanent.  With six Chase cards, I need yet another Chase card like I need a hole-in-the-head.  And it appears heavy new apps was an epidemic in November 2019.  Lol Smiley Tongue  (I'm over 5/24 until just before Thanksgiving anyway.)   Like others upthread, I kept my original Freedom after CFF came out because of Costco, and I got the added 3% drugstores/dining and 5% travel rewards added to my CFU when CFF came out.  

 

I've debated closing Freedom since it has the low caps and I often don't max it out.  Maybe it's their intent, but these frequent changes to rewards programs in my cards makes mapping out a simple long term strategy difficult.  I honestly don't want a wallet full of various rewards cards, and would prefer more of a set-it-and-forget it approach.  Still, it's hard to ignore the enticement of higher rewards, so I'm conflicted. 

 

However, if the high-spend bonus becomes permanent in addition to the 5% rotating categories, CFF could be much more worthwhile than my CF and worth the PC.   It appears to me that Chase is trying to make the original Freedom obsolete.



Length of Credit > 35 years; Total Credit Limits > $600K
AoOA > 28 years (Jun 1993); AoYA (Nov 2021)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 66 of 94
Carmy03
Established Contributor

Re: Chase Freedom Flex top spend category


@kilroy8 wrote:

Just got the below email:

 

capture5.GIF


Hmmm. I switched to freedom flex last month and I haven't received this email. I was planning on using it for 7% on dining. I wonder if you have to be targeted to receive the top spend option since you have to activate or it's for all freedom flex card holders.

Message 67 of 94
Crowhelm
Frequent Contributor

Re: Chase Freedom Flex top spend category


@Carmy03 wrote:

@kilroy8 wrote:

Just got the below email:

 

capture5.GIF


Hmmm. I switched to freedom flex last month and I haven't received this email. I was planning on using it for 7% on dining. I wonder if you have to be targeted to receive the top spend option since you have to activate or it's for all freedom flex card holders.


We have it on my wife's card. But we already had the quarter activated so no email is necessary I guess because we never got one. Take a closer look, it is not too obvious but it is there.


Message 68 of 94
Carmy03
Established Contributor

Re: Chase Freedom Flex top spend category


@Crowhelm wrote:

@Carmy03 wrote:

@kilroy8 wrote:

Just got the below email:

 

capture5.GIF


Hmmm. I switched to freedom flex last month and I haven't received this email. I was planning on using it for 7% on dining. I wonder if you have to be targeted to receive the top spend option since you have to activate or it's for all freedom flex card holders.


We have it on my wife's card. But we already had the quarter activated so no email is necessary I guess because we never got one. Take a closer look, it is not too obvious but it is there.


I decided to log on the full website(been looking on my phone on the app) and I saw it.

top spend.png

thanks @Crowhelm 

 

I hope this becomes something they continue, but ugh at all the trouble I went through for the last 3 months to obtain the custom cash. 

Message 69 of 94
Aim_High
Senior Contributor

Re: Chase Freedom Flex top spend category


@Carmy03 wrote:  I hope this becomes something they continue, but ugh at all the trouble I went through for the last 3 months to obtain the custom cash. 

+1  That's kind of what I was talking about too, @Carmy03  (except I didn't get Citi Custom Cash.)  You're kind of like me in not wanting dozens of cards to manage.  We go through the process of selecting ones that seem like a long term fit and then the card market gets shaken up again with changes.  It's annoying when you take hits for inquiries and new accounts only to feel like they weren't necessary in hindsight.   Still, if this change turns into something permanent to compete with CCC, it's a positive change if they'll just leave it alone. 



Length of Credit > 35 years; Total Credit Limits > $600K
AoOA > 28 years (Jun 1993); AoYA (Nov 2021)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 70 of 94
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