My Results So Far With Freedom

All about maximizing your rewards!
Members share tips and tricks for getting the most cash back, miles, & points.
5 posts
kcarter609
Centurion Member
Centurion Member
 
Posts: 423
Joined: Thu Aug 09, 2012 7:54 am
Location: VA

My Results So Far With Freedom

Postby kcarter609 » Sun Nov 11, 2012 1:23 pm

Ok, so I got the Freedom and activated it 8/15/12. The 10+10 didn't kick in until my October statement. Between that date and 11/8/12 (statement that just posted), I have spent $5,462.14 with it. As of the 11/8/12 statement, I have 20,419 UR points available. 10k of the points were the sign up bonus points, but the other 10,419 I earned by spending.

So if you take my $5,462.14 of spending and the 10,419 points I earned, I've gotten an average of 1.9% back for just my normal spending habits. Side note - I spend a good amount on restaurants... $1,318.74 of the $5,462.14 was spent on restaurants. I buy lunch daily, usually for 2-3 of us, and they pay me back with cash.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)


Vermonster
Centurion Member
Centurion Member
 
Posts: 132
Joined: Mon Oct 01, 2012 11:09 pm
Location: NJ

Postby Vermonster » Sun Nov 11, 2012 7:18 pm

That is really good. I use my freedom for Groceries and Bills, plus the small stuff. A $1 coffee will earn me $0.12, or 12% cash back. It takes a lot of $1 coffees to make a difference though :(

kcarter609
Centurion Member
Centurion Member
 
Posts: 423
Joined: Thu Aug 09, 2012 7:54 am
Location: VA

Postby kcarter609 » Sun Nov 11, 2012 7:20 pm

Vermonster wrote:That is really good. I use my freedom for Groceries and Bills, plus the small stuff. A $1 coffee will earn me $0.12, or 12% cash back. It takes a lot of $1 coffees to make a difference though :(


How do you get 12% back on a coffee?

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)


Vermonster
Centurion Member
Centurion Member
 
Posts: 132
Joined: Mon Oct 01, 2012 11:09 pm
Location: NJ

Postby Vermonster » Sun Nov 11, 2012 9:59 pm

Sorry I was a bit off it's actually 11%.

With the Chase checking bonuses you get 10 points for every purchase plus 10% of the purchase price in extra points.

So $1 gets you 1 point plus the 10 points (11 total) and the 10% of $1 counts as .1 points, for a total of 11.1%
If your $1 happens to be in a 5% category then it can get you 15.5%.

More info can be found here Chase Trifecta

kcarter609
Centurion Member
Centurion Member
 
Posts: 423
Joined: Thu Aug 09, 2012 7:54 am
Location: VA

Postby kcarter609 » Mon Nov 12, 2012 7:27 am

Oh I didn't realize you had the 10+10.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)



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