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

1. ## 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?

2. + 1% (1 pt)/ \$1 earned on all purchases: 159
+ Bonus points from 5% categories: Jan-Mar: 298

So the top number is obviously your purchase total of \$158.70 X 1% (.01) = 1.587 rounded up to 159 UR Points

From what I can gather, the bottom number is BP (\$71.00) + 7-11 (\$3.45) = \$74.45 X 4% (.04) = 2.978 rounded up to 298 UR Points. It would appear that Chase is giving you the extra bonus cash at the 7-11 convienence store purchases but not for pay at the pump. 7-11 must be using two different Merchant Catagory Codes (because Chase did not give you the extra 4% for the pay at the pump 7-11 charge of \$67). This is just my guess, but it seems to mesh with your UR Point totals.

*Keep in mind, that ALL purchases earn the flat 1% and for the bonus catagories they add the additional 4% making those a total of 5%.

3. 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.

4. Yeah, weird that they would allow 5% at the convenience store at 7-11 but not pay at the pump. I was surprised when they gave me the 5% on purchases inside Shell as I always assumed the bonuses were for pay at the pump only. If it really bothers you it is totally worth a call to them to find out. Chase should have access to the MCC's and they can tell you what is what. In the 2 years that I have had my Freedom, I have never had a problem with my UR points. I guess in the future, find yourself a Marathon, BP or ExxonMobil. 7-11 (Citgo) uses Venezuelan oil anyway. Hugo Chavez can eat my shorts.

5. Originally Posted by Dylan1982
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.
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.

6. 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.

7. 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.
Your purchases might not have posted on time before the statement cut off date.

8. when do you get the \$100 cash back?i spend already 500 in the first month and havent received nor been refunded

9. 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??

10. 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.