Thread: How Do I Know My Cash Back From Freedom Is Indeed Correct?

I acitvated my Freedom card to take advantage of the bonus catergories this month, got an e-mail and text confirmation that I did activate the 5% bonus catergories.


Here is how my statement looks thus far, I got the card during the middle of my billing cycle so my statement for February is already closed. But below is my purchases and how my UR points I have. I have a total of 457 points at this time.

1) DR ENERGY CORP (BP Gas Station) 5% $71.00

2) 7-ELEVEN 1% $3.45

3) MCDONALD'S 1% $5.19

4) THEATRE 1% $6.50

5) GROCERY STORE 1% $5.56

6) 7-ELEVEN (Gas Station) 1% $67.00
7-ELEVEN gas stations are not listed and are not elegible on their 5% catergory list.


So my total purchases were for $158.70

+ 1% (1 pt)/ $1 earned on all purchases: 159
+ Bonus points from 5% categories: Jan-Mar: 298


How did they come up with this?

Yeah after I made the thread it dawned on me that the total purchases ($158) were the 1%, that's my 159 UR points.


But I din't think about the 7-11 that way. How you did it makes sense.... I know that on their list for bonus catergories, 7-11 for gas stations isn't listed.. So I am lost now. I might need to call them to find out, would it be worth my time to call??

And thanks for the reminder about the flat 1% then the 4% + 1% for bonus catergories.

Just a note. For purchases in the last couple of days in your statement period on Chase Freedom, you won't get those points until the end of the next statement period. I had bought ~$500 in GCs from drug stores in the last like 3-4 days of my statement period and didn't see those points in UR. I did the online email with a rep and was told what I just said above.

Originally Posted by Gamma

Are you talking about this list https://creditcards.chase.com/freedom/merchants.aspx ? If so, this list Chase provides is an example of qualifying merchants that will get you the 5% cash back. Chase, along with other major credit card companies, go by MCC (Merchant category code) to determine which stores will get you the 5% cash back. Here is the site that you can check to see which stores close by you will get you the 5%.
Visa USA | Corporate & Government | Visa Supplier Locator

I forgot to add I been to several different 7-11 stores and some have been categorized as grocery stores and some as gas stations.

Referring to your first link, yes that is the link that I was referring to. 7-11 isn't listed on the merchants list as getting back the 5%.


The second link that you provided, how do you know that Chase uses this list with the MCC codes to get the 5% back?


Using the MCC list, the 7-11 that I went in filled up is on the MCC list...


1) 7-ELEVEN 32927 - GAS STATIONS/FUEL/SUPPLIES -5541

2) 7-ELEVEN 32927 - GAS STATIONS/FUEL/SUPPLIES -5542


So what does that mean for me??

Originally Posted by RewardHop

Just a note. For purchases in the last couple of days in your statement period on Chase Freedom, you won't get those points until the end of the next statement period. I had bought ~$500 in GCs from drug stores in the last like 3-4 days of my statement period and didn't see those points in UR. I did the online email with a rep and was told what I just said above.

Yeah I know, that's why I stated that in my OP that I was in the middle of my billign cycle.