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  1. #1
    Centurion Member
    Join Date
    Aug 2012
    Location
    VA
    Posts
    425

    Default My Results So Far With Freedom

    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 ($7.5k Limit - 8/2012)
    Chase Sapphire Preferred ($5k Limit - 2/2013)
    Chase Ink Plus ($12k Limit - 2/2013)
    Discover IT ($5k Limit - 10/2012)
    AMEX Zync (No Pre-set Limit - 1/2010)
    AMEX Blue Cash Everyday ($12k Limit - 1/2013 - Backdate to 1/2010)
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  2. #2
    Centurion Member
    Join Date
    Oct 2012
    Location
    NJ
    Posts
    119

    Default

    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
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  3. #3
    Centurion Member
    Join Date
    Aug 2012
    Location
    VA
    Posts
    425

    Default

    Quote Originally Posted by Vermonster View Post
    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 ($7.5k Limit - 8/2012)
    Chase Sapphire Preferred ($5k Limit - 2/2013)
    Chase Ink Plus ($12k Limit - 2/2013)
    Discover IT ($5k Limit - 10/2012)
    AMEX Zync (No Pre-set Limit - 1/2010)
    AMEX Blue Cash Everyday ($12k Limit - 1/2013 - Backdate to 1/2010)
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  4. Centurion Member
    Join Date
    Oct 2012
    Location
    NJ
    Posts
    119

    Default

    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
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  5. #5
    Centurion Member
    Join Date
    Aug 2012
    Location
    VA
    Posts
    425

    Default

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

    Active Cards:
    Chase Freedom 10+10 Visa Signature ($7.5k Limit - 8/2012)
    Chase Sapphire Preferred ($5k Limit - 2/2013)
    Chase Ink Plus ($12k Limit - 2/2013)
    Discover IT ($5k Limit - 10/2012)
    AMEX Zync (No Pre-set Limit - 1/2010)
    AMEX Blue Cash Everyday ($12k Limit - 1/2013 - Backdate to 1/2010)
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