FYI - Chase Freedom 10% Back

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RockinZ28

Platinum Member
Mar 5, 2008
2,173
49
101
Hmm, think I'm going to buy a $850 gift card to be sure I keep my points. Bought a monitor, but returning it due to defects.

Also got the Chase Sapphire Preferred card a couple days ago so I can transfer my UR points freely, and the 50k point bonus. Probably have to buy at least a couple grand in Visa gift cards or something to meet that $4k in 3 months.

Love free money though.
 
Nov 8, 2012
20,828
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You guys are nuts with your spending to justify $1500 in gift cards. As much as you save 10%, I would earn more savings just by keeping that in my savings.

I spend a good amount on Amazon, but not anywhere near that much. Believe me, it's the first place I check when I want a standard product (DVD, home goods, etc...), but it's never going to replace my grocery shopping and such. Then again, in general I just don't find the need to spend that much money in life.
 

Svnla

Lifer
Nov 10, 2003
17,999
1,396
126
You guys are nuts with your spending to justify $1500 in gift cards. As much as you save 10%, I would earn more savings just by keeping that in my savings.

I spend a good amount on Amazon, but not anywhere near that much. Believe me, it's the first place I check when I want a standard product (DVD, home goods, etc...), but it's never going to replace my grocery shopping and such. Then again, in general I just don't find the need to spend that much money in life.

What bank (FDIC insured) will give you 10% interest for your savings?
 

Cal166

Diamond Member
May 6, 2000
5,081
8
81
Amazon is giving a $5 credit for reloading your gift balance with $100. Not sure if it applies but I did it anyways.

Some restrictions to the $5 credit:

"Thank you for reloading your Amazon.com Gift Card Balance. Now we're treating you to a $5 promotional code. The code is automatically applied to your account and good for eligible products sold by Amazon.com."
 
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Nov 8, 2012
20,828
4,777
146
What bank (FDIC insured) will give you 10% interest for your savings?

Bank of Nigeria, you should give them a try. I'll have my buddy email you. :thumbsup:

I didn't exactly mean literally, I was just indicating that it would take me forever to spend that much :D
 

Capt Caveman

Lifer
Jan 30, 2005
34,547
651
126
You guys are nuts with your spending to justify $1500 in gift cards. As much as you save 10%, I would earn more savings just by keeping that in my savings.

I spend a good amount on Amazon, but not anywhere near that much. Believe me, it's the first place I check when I want a standard product (DVD, home goods, etc...), but it's never going to replace my grocery shopping and such. Then again, in general I just don't find the need to spend that much money in life.

Not at all. You don't spend a good amount on Amazon if you think $1500 is a lot. During the 10% promo period, I've already spent $900(Xmas gifts, humidifier, running shoes, etc).
 

AznAnarchy99

Lifer
Dec 6, 2004
14,705
117
106
Just a heads up, if you max out the $1500 for 10%, you are still eligible for another $1500 at 5%.

Hm I'm right at $1260 right now. I wonder if I should get another $240 gift card to max it out.
 

CraKaJaX

Lifer
Dec 26, 2004
11,905
148
101
Just a heads up, if you max out the $1500 for 10%, you are still eligible for another $1500 at 5%.

Hm I'm right at $1260 right now. I wonder if I should get another $240 gift card to max it out.

After all my Christmas shopping (90% which was done on Amazon) and random shit I needed off Amazon, I only needed another ~$400 to max it. Just bought the gift card to max it - Do it! :cool:
 

CPA

Elite Member
Nov 19, 2001
30,322
4
0
Just a heads up, if you max out the $1500 for 10%, you are still eligible for another $1500 at 5%.

Hm I'm right at $1260 right now. I wonder if I should get another $240 gift card to max it out.

Yep, I ended up spending around $2500, and I got just shy of $200 of cash back. Applied it to my balance.
 

RockinZ28

Platinum Member
Mar 5, 2008
2,173
49
101
Just a heads up, if you max out the $1500 for 10%, you are still eligible for another $1500 at 5%.

Hm I'm right at $1260 right now. I wonder if I should get another $240 gift card to max it out.

Nice, didn't know that. Must be pretty close or over already, think I spent $2,700 just Nov/Dec.

Been using my Discover last couple days for another 5% on $1500 :).
 

AznAnarchy99

Lifer
Dec 6, 2004
14,705
117
106
Nice, didn't know that. Must be pretty close or over already, think I spent $2,700 just Nov/Dec.

Been using my Discover last couple days for another 5% on $1500 :).

Nice. I didn't think I was gonna get close but I ended up buying a TV lol.

10% got me excited but I have 5% back all year long with my grandfathered Citi Forward Card and my Amazon Store Card.
 

RockinZ28

Platinum Member
Mar 5, 2008
2,173
49
101
Nice. I didn't think I was gonna get close but I ended up buying a TV lol.

10% got me excited but I have 5% back all year long with my grandfathered Citi Forward Card and my Amazon Store Card.

Damn that's a good deal to have 5% year round. Is there a limit?

Have the Amazon Chase card, but that's only 3% year round.
 

Muse

Lifer
Jul 11, 2001
37,769
8,271
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49 minutes to go...

Can I buy a gift card, gift it to myself essentially (i.e. email it to myself???) and get the 10% rewards?

Edit: I got close to maxed out at around $1450 with an $850 gift card sent to myself at about 11:48PM PST. I wasn't sure just exactly what my total was, I got an approximate value and lowballed it. I guess that works...

So I guess now all my Amazon purchases will be using that gift card until I use up the $850 credit, essentially.
 
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edro

Lifer
Apr 5, 2002
24,328
68
91
Yeah, I did the email gift card to myself.
I simply redeemed it with my same account.
Points have already posted to my Chase account and Amazon account has the funds showing in my gift card section.
 

Aikouka

Lifer
Nov 27, 2001
30,383
912
126
Hm, I don't think Chase ever gave me 10% back. I went to the site and did the thing earlier in the month, but when I look at my Rewards activity page, an $8.85 purchase only gave me 44.25 points (i.e. 5%).
 

Muse

Lifer
Jul 11, 2001
37,769
8,271
136
Hm, I don't think Chase ever gave me 10% back. I went to the site and did the thing earlier in the month, but when I look at my Rewards activity page, an $8.85 purchase only gave me 44.25 points (i.e. 5%).
I think I saw the points on my recent snail mail statement.
 

Muse

Lifer
Jul 11, 2001
37,769
8,271
136
Yeah, I did the email gift card to myself.
I simply redeemed it with my same account.
Points have already posted to my Chase account and Amazon account has the funds showing in my gift card section.
Since I only had around 20 minutes to midnight (happy new year!) I just went ahead and gave it a try. Worst come to worst I get no rewards on $850 gift card, not the end of the world. :cool: I haven't even checked but assume I got the card and the rewards...
 

AznAnarchy99

Lifer
Dec 6, 2004
14,705
117
106
Since I only had around 20 minutes to midnight (happy new year!) I just went ahead and gave it a try. Worst come to worst I get no rewards on $850 gift card, not the end of the world. :cool: I haven't even checked but assume I got the card and the rewards...

I just added money to my amazon account. I got the cash back on it all.
 

CraKaJaX

Lifer
Dec 26, 2004
11,905
148
101
I just added money to my amazon account. I got the cash back on it all.

How are you seeing this? I usually glance at my points/$ on my statement, but that isn't until around the 12th every month. I'm confused how people are already putting points towards their balance (or whatever they want...)?

Edit: NM. I'm assuming in the 'Rewards Home' page... which I've never visited. Apparently I have a shit ton of money in points... :hmm: However, it tells me what will be posted to my account on the next statement. All the 10% stuff is in there and not yet available.
 
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ElFenix

Elite Member
Super Moderator
Mar 20, 2000
102,422
8,386
126
bought ~$200 worth of stuff on NYE and the 'transaction date' is a string of dates here in early january. 3, 4, 5, whatever. nearly $20 in cashback lost :mad:
 

Muse

Lifer
Jul 11, 2001
37,769
8,271
136
I didn't "redeem" my gift card until 1/4 or so but bought it about 11:48PM NYE, I believe I'll get credit for it, but not until my next statement.

I was on the phone with Chase last night because I get mostly a blank screen when I go to www.chase.com in my Firefox browser. Comes up in IE, but I rarely use IE. The cat couldn't sort it out, I may call them again today and try to get a tech savvy person. I have Ublock Origin installed but white listed Chase to no avail.

I have two Chase Freedom cards and whenever I get an email telling me to activate I can never tell which card gets activated. I generally call them to make sure it's both. Last night I asked the CSR to combine the points from both cards and credit the balance of one of the cards, which he did.
 
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RearAdmiral

Platinum Member
Jun 24, 2004
2,263
119
106
bought ~$200 worth of stuff on NYE and the 'transaction date' is a string of dates here in early january. 3, 4, 5, whatever. nearly $20 in cashback lost :mad:

I bought a 460 dollar amazon card on NYE to use up my remaining balance and I'm in the same boat. I send them a message so we shall see.
 

Kelvrick

Lifer
Feb 14, 2001
18,438
5
81
Why didn't you guys just buy $1,500 worth of amazon gift cards to max out your 10% when the promotion started if you already know you spend a lot on amazon?
 

Muse

Lifer
Jul 11, 2001
37,769
8,271
136
Why didn't you guys just buy $1,500 worth of amazon gift cards to max out your 10% when the promotion started if you already know you spend a lot on amazon?
This is the right question. :cool:

In my case, the answer is that

1. I didn't think of it
2. I didn't know if that would work, i.e. that I'd get that 10% discount on the card purchase. However, after seeing posts about gift cards I decided to (nearly) max out a few minutes short of 2016.

Actually, I won't know for sure if it worked until I see my next statement from Chase.

Edit: I just went and looked at my account at Chase and the transaction date for my gift card purchase ($850) is 1/1/16, post date 1/3/16, so looks like I won't get the 10% credit! Damn. Amazon's site said that it would register within 5 minutes except in exceptional circumstances, something to that effect, so I went ahead and confirmed the purchase based on that info at ~11:48PM 12/31/15. Looks like I got burned there. I'm apt to not even have the 3% discount I would have gotten if I'd used my Amazon CC. :(

I guess I could call Chase and ask them why the transaction is dated 1/1/16 when I executed the purchase on 12/31/15. :confused: Or maybe call Amazon and ask them about all this and maybe get a refund if the transaction date can't be changed somehow (seems doubtful it could be changed). Argh.
 
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