10 chase freedom

Final Chase Freedom 10% Annual Bonus With Checking Account Posting

If you have a Chase Freedom and a Chase checking account, you should check your recent statement for the 10% annual bonus ultimate rewards points that you are supposed to get.

I was able to see the 10% bonus on my most recent statement. It was a nice surprise to see 2800 Ultimate Rewards bonus points.

10 chase freedomHowever, Chase gave warning earlier that they were ending this 10% bonus. According to the program changes:

After the closing date on your December 2015 billing statement, you will no longer earn the extra 10% annual bonus that you get on the cash back you’ve already received for new purchases. If you have an open Chase checking account on that date, you will receive your final 10% annual bonus award in early 2016.

I had a second Freedom card and I saw a 1600 point bonus on that as well.

It looks like this is the final bonus that we will see on this card. Chase had ended the 7% annual dividend on the Sapphire Preferred previously. It looks like banks are clamping down on giving away easy points. Oh well, it was good while it lasted.

Chase Freedom bonus categories 2015 Q1 posted

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Dans Deals10 chase freedom alerted me to the fact that Chase Freedom has announced their bonus categories for the first quarter of 2015.

Background on Chase Freedom bonus categories

If you’re not aware, if you have the Chase Freedom card (I picked one up a few months ago), each quarter, there are specific categories that will earn you 5% for the duration of the quarter.

For 2014, the quarters are as below

This quarter (October – December 2014) your bonus categories are Amazon, Zappos, and select Department stores including Kohl’s and Sears among others. If you have not yet activated your Q4 bonus, you can do so here. You have until December 14 to activate the bonus. As always, you are limited to bonus on $1500 of spend (7500 Ultimate Rewards points)

Chase Freedom Bonus Categories 2015

The 2015 Q1 (January – March) Chase Freedom bonus categories will be: Grocery stores, Starbucks and movie theaters. Of those, grocery stores would seem to be the most lucrative, as there are plenty of gift cards and other manufactured spending opportunities at grocery stores.

10% checking bonus on purchases

Currently, if you have a Chase checking account, you get a 10% bonus on your accrued miles, but Chase has indicated that will go away as of 2015. My original article indicated that in 2015 you would no longer be able to earn the 10% bonus, but Dan from Dans Deals pointed out in the comments that it is still active through the end of 2015.

Great no-fee card to keep your Chase Ultimate Rewards

I had a Chase Ink and Chase Sapphire card over the past year, but when their annual fees came due, I decided to cancel those cards and transfer my Ultimate Rewards points over to my Freedom card.

Chase Freedom signup bonus up to 20,000 Ultimate Rewards

If you don’t already have a Chase Freedom card, the signup bonus for the Chase Freedom is (back) up to 20,000 Ultimate Rewards (which Chase insists on calling $200). I have a refer a friend link that gives me 5000 Ultimate Rewards if you are approved, which as far as I know is the same as the best public offer. I’ve got other ways that you can support PWaC, if you’re dying to do so

10 chase freedom

Chase Freedom Now Cash Back Program

Chase Freedom is the credit card that gives you Cash Back for the fun things in life on every purchase, everywhere, everyday. The Chase Freedom credit card is issued by Chase Bank USA N.A. subject to credit approval. There are four parts in Chase Freedom Now Cash Back Program: $100 cash back, 5% cash back, up to 10% cash back and 1% cash back.

Chase Freedom Now Cash Back Introductions

You can earn $100 cash back after you make just $500 in purchases in your first 3 months from account opening. And earn 5% cash back on up to $1,500 spent in bonus categories each quarter. You’ll enjoy new categories every three months like gas stations, restaurants and Amazon.com. It’s free and easy to activate your bonus each quarter! Also you’ll always earn a full 1% cash back on everything else you buy, big or small. There are no limits on how much you can earn. Earn extra cash back when you shop online at select merchants through Chase.

Signing up is free and easy. There are 6 easy ways to activate your 5% Cash Back. Just choose the one that’s best for you:

  1. Online – visit chase.com/freedom.
  2. Text Message – sign up for Chase Freedom 5% Text Reminders at chase.com/freedom. You’ll get a text reminding you when it’s time to activate.
  3. Email – provide your email address at chase.com/freedom. We’ll send you an email when it’s time to activate. It takes just one click!
  4. Phone – call the number on the back of your card and let one of our advisors activate your 5% cash back.
  5. Facebook – like us at facebook.com/chasefreedom to get deals and reminders.
  6. Chase location – visit any Chase bank and see a personal banker.

The following are details of cash back for you to follow:

  1. $100 Cash Back. You will receive 10,000 bonus points with this bonus offer, which can be redeemed for a $100 check.
  2. 5% Cash Back. You earn 1% on all purchases and 4% more in bonus categories for a total of 5%. 4% bonus earn is subject to a quarterly maximum.
  3. 1% Cash Back. You will earn 1 point for each $1 of net purchases.
  4. Reward Currency. Rewards are earned as points, which can be redeemed for cash back. 1% cash back equals 1 point.

See Pricing & Terms for complete details about rates, fees and other costs.

3 Ways to Get Great Deals While Skipping Black Friday

I was watching an episode of The Middle recently, where Sue had to work at the Baked Potato Hut (or whatever it was called) to cater to shoppers who were foregoing Thanksgiving in order to take advantage of early bird deals on what she cleverly dubbed “Black Friday Eve.” I don’t know about you, but I’ll be staying away from the mall or any place other than home on Black Friday Eve or Black Friday for that matter. The deals aren’t that great (in my experience, the best deals are offered the week before) and there are lots of other ways to get bargains while earning extra points and miles – unless, of course, you’re one of those people who camps outside of Best Buy for a $100 flatscreen and actually gets it. For the 99% of us who don’t like sleeping in the cold, there are plenty of great deals you can take advantage of from the comfort of home:

American Express is king when it comes to statement credit offers. First, there’s Small Business Saturday , which is happening on November 28 and gets you a $10 statement credit when you shop at local businesses. This year it’s targeted, so be sure to check your Amex Offers to find out if it’s available to you.

There are also a variety of lucrative Amex Sync Offers , like $15 off purchases of $60 at Amazon, two $10 statement credits on your cell phone bill of $75+, $10 off Ebags purchases of $50 or more, $50 off Cole Haan purchases over $200, and $10 off your $15 purchase at Rhapsody – to name a few. Scrolling through my list of offers, there are dozens of great merchants listed that will save me literally hundreds of dollars on purchases I was going to make anyway.

If nothing on your Amex Offers list appeals to you, the Chase Freedom card is offering one of the most generous cash back offers: Through December 31, registered Freedom cardholders get 10% cash back (or 10 Ultimate Rewards points per $1) on the first $1,500 spent at Zappos, Amazon, Diapers.com , or Audible.com . That’s as generous as I’ve ever seen the quarterly Chase Freedom bonus and aside from maybe the last two merchants, nearly everyone can get great value out of this promotion.

Save 10% by using your Chase Freedom card at Amazon and Zappos

Similarly, Discover is offering 10% cash back on in-store purchases made through Apple Pay. Cash back is limited to the first $10,000 spent through December 31, 2015. I know a few people who are stacking this deal on top of other discounts to save on Apple products. I’m overdue for a new Macbook, so I may pick up a Discover card for this purpose alone.

The Visa Signature program is offering discounts of 10-25% at popular merchants as well as free shipping and other perks to help you stack extra savings on your holiday shopping. I personally didn’t find these deals to be that good, but you might, depending on your shopping preferences.

Recently, I received an easy targeted offer in the mail from what has become the black sheep of my credit card collection – The Club Carlson Visa Signature credit card. This actually reminded me to follow through on my intention to cancel the card, but the statement credit offer is a pretty easy one. All I have to do is spend a total of $3,750 across two months to earn a combined $40 in statement credits. That’s two trips to CVS and I’ll not only get $40 but 18,750 Club Carlson Gold points. I will end up spending around $37 on Paypal MyCash Card fees, but it’s basically free manufactured spending and I can redeem the points for a free night at a Category 2 Club Carlson hotel ; Or combine them with my current stash of points for a top-tier Category 7 award.

There are lots of great gift card promotions going on right now. OfficeMax is offering upwards of $200 off Visa gift card purchases of $300 or more . I just got back from my local OfficeMax, where I received $10 off each $200 gift card, which off-set the $6.95 fee and covered the fees I ended up paying on three gift cards I picked up at the Safeway next door (say that three times fast). If you don’t have an OfficeMax in your area, do keep an eye out for gift card deals offered by other office supply stores, like Staples and Office Depot.

I came across another decent gift card deal while browsing my American Express Offers: $20 off gift card orders of $200 or more – in case you’re confused about why you should keep buying Amex gift cards now that shopping portals don’t offer cash back anymore , read up on my reasons why deals like this still make sense .

$15 off when you buy $125 worth of gift cards at Safeway

Aside from Amex Sync deals, you can save an easy 12% on select gift card purchases at your local Safeway store. Mine is offering $15 for gift card purchases of $125 or more. Qualifying gift cards include Amazon, iTunes, Sears, Kohl’s, Fandango, and more. The $15 is paid out in the form of a coupon, which unfortunately can’t be used for another gift card purchase, but consider it extra cash towards future grocery spending. This promotion is going on until December 1, giving you plenty of time to take advantage of it.

Many online merchants will be offering great deals which, frankly, are good enough for me to stay home and shop online. If you’re in the same boat, you’ll be pleased to know some shopping portals are offering incredibly generous spending bonuses alongside higher earning rates at participating merchants. American Airlines’ AAdvantage Shopping is offering tiered bonuses depending on the amount spent:

Earn up to 5,000 miles through the AAdvantage shopping portal!

Be sure to keep an eye out in your email for similar offers from Alaska MileagePlan Shopping , Delta Skymiles , United MileagePlus , or your preferred hotel/airline shopping portal. If cash back is your preference, Giving Assistant is doubling cash back on popular merchants like Kohl’s, Nordstrom and Best Buy. The 7% cash back offered at Nordstrom is the highest I’m aware of, so I’m looking forward to pairing it with the 2.1% travel cash from the Barclay Arrival Plus card for significant savings on a pair of boots and a laptop bag I’ve been eyeing.

By the way, if you’re new to Giving Assistant and use my referral link to sign up, we’ll both earn $5 cash (don’t spend it all in one place!).

That’s pretty much my Black Friday alternative strategy this year. I’ll be generating significant savings and miles at minimal hassle through credit card statement credits, gift card deals and shopping portal bonuses. The best part? I won’t have to leave the house or deal with the chaos that awaits all other shoppers rushing to the mall.