What happens if a single purchase puts you over the CFF Bonus limits

[sxa001]

Time for another dumb question, I just don't have a ton of experience with revolving category cards except discover and I have never maxed out the cash back on it.  

I recently set up my CFF with PayPal Key, and this has helped me maximize my cash back. I just made a purchase that I know will put me over the cap for 5% earnings.  Do they prorate or will I get 1% for the entire purchase?  I.e. if I had already earned 5% on $500 and I made a purchase for $1103 (which is what I just did) will I receive the 5% on the $1000?  I am hoping so, $50 is $50.  

[Remedios]

5% up to the cap, 1% on remaining amount 

[sxa001]

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@Remedios wrote:

5% up to the cap, 1% on remaining amount 

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Cool, so they do prorate?  If I already had earned 5% on $50 and then went and made a $2000 purchase I would earn 5% on $1450 of that $2000 purchase.

PayPal Key makes this too easy, I hope Discover and Chase do PayPal quarters again next year!  

[Remedios]

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@sxa001 wrote:

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@Remedios wrote:

5% up to the cap, 1% on remaining amount 

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Cool, so they do prorate?  If I already had earned 5% on $50 and then went and made a $2000 purchase I would earn 5% on $1450 of that $2000 purchase.

PayPal Key makes this too easy, I hope Discover and Chase do PayPal quarters again next year!  

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Yup, you're getting 5% on $1450.

[SecretAzure]

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@sxa001 wrote:

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@Remedios wrote:

5% up to the cap, 1% on remaining amount 

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Cool, so they do prorate?  If I already had earned 5% on $50 and then went and made a $2000 purchase I would earn 5% on $1450 of that $2000 purchase.

PayPal Key makes this too easy, I hope Discover and Chase do PayPal quarters again next year!  

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I don't think I've ever been able to hit the cap before on Freedom until this year. PayPal Key has been amazing. I know $1500 may not seem like a lot to most but that's several months of disposable income for me. 

[Remedios]

I want to marry Pay Pal Key.

Not sure how Optimus Prime would feel about it, but that's my wish. 

[simplynoir]

My only complaint about PayPal key right now is it takes a hell of a lot longer for the charges to finally post to your account than using credit card normally. This is mainly me and DW's experience using AMEX cards at least and a few merchants who charge a flat fee for debits compared to a percentage when using a cc. Looking at you, taxes and certain utilities

But yes definitely PPK the best thing ever this year credit wise. My ❤️ for it is endless

[Anonymous]

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@Remedios wrote:

I want to marry Pay Pal Key.

Not sure how Optimus Prime would feel about it, but that's my wish. 

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I suggest trying to be a little less impulsive (but it's progress that you are not considering offering a kidney).  Give the relationship some time before jumping into marriage, I wouldn't be at all surprised if we see Paypal Key becoming a lot less generous, and possibly controlling exactly who you can partner with....

[Remedios]

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@Anonymous wrote:

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@Remedios wrote:

I want to marry Pay Pal Key.

Not sure how Optimus Prime would feel about it, but that's my wish. 

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I suggest trying to be a little less impulsive (but it's progress that you are not considering offering a kidney).  Give the relationship some time before jumping into marriage, I wouldn't be at all surprised if we see Paypal Key becoming a lot less generous, and possibly controlling exactly who you can partner with....

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You're so critical of me I might as well marry you then offer my left kidney to divorce attorney. 

On a more serious side (not that eMarriages aren't), do you really think paypal will become more restrictive with the use of paypal key and why?

[sxa001]

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@simplynoir wrote:

My only complaint about PayPal key right now is it takes a hell of a lot longer for the charges to finally post to your account than using credit card normally. 

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Yes, I did lose out on a few dollars of cash back with Disco because of this last month when a purchase posted on October 1st. Since it was a small amount I didn't bother trying to get them still give me the 5%. 

Other categories make it really hard to max out on cash back. I could come close in quarters on Grocery and Restaurant spend if I was viligant with making sure I was using the right card.  Before PayPal Key it was a pain as some merchants don't take PayPal.  

I do see there being a possibility things will change, so I will take my $75 and hope that I have a chance for again next year.