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Freedom Q1 2020 5% revealed.

tag
NRB525
Super Contributor

Re: Freedom Q1 2020 5% revealed.

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.
Message 11 of 21
Anonymous
Not applicable

Re: Freedom Q1 2020 5% revealed.

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).

Message 12 of 21
Revelate
Moderator Emeritus

Re: Freedom Q1 2020 5% revealed.


@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.  




        
Message 13 of 21
Anonymous
Not applicable

Re: Freedom Q1 2020 5% revealed.

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!

Message 14 of 21
randomguy1
Valued Contributor

Re: Freedom Q1 2020 5% revealed.

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

Message 15 of 21
mongstradamus
Super Contributor

Re: Freedom Q120 5% revealed.


@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.



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Message 16 of 21
Anonymous
Not applicable

Re: Freedom Q120 5% revealed.


@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. 

Message 17 of 21
Anonymous
Not applicable

Re: Freedom Q120 5% revealed.

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 

Message 18 of 21
K-in-Boston
Epic Contributor

Re: Freedom Q120 5% revealed.

Screen Shot 2020-01-09 at 10.04.29 AM.png

 

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.

Message 19 of 21
Anonymous
Not applicable

Re: Freedom Q120 5% revealed.

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).

Message 20 of 21
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