Beyond the great redemption value of Chase’s portal, it’s the all-encompassing nature of their cards and their respective bonus categories that’s got me hooked. I’ve kind of bought into their ecosystem of cards and want every purchase I make going towards my stockpile of points. It’s kind of like the convenience of an all-in-one system like the one Apple provides with laptops, phones, and tablets.
There are a few audibles you can call, but the slight differences reflect the type of purchases you make and the average dollar amount you spend.
Personal Spend: When your purchase amounts and types are more reflective of personal use.
1. Chase Freedom: The Chase Freedom is like that 6th man who performs exceptionally on occasion. The Freedom doesn’t have an annual fee so there’s no issue just having it sit in your wallet until it’s needed. And currently, it’s offering a sign-up up bonus of $150 with a minimum spend of $500 in the first three months of account opening.
-1X points on everything
-5X points on quarterly rotating categories
-No annual fee
Do what you can to max out on the $1500 spend cap each quarter by using these tactics, but other than that there’s no need to ever pull this card out.
2. Chase Freedom Unlimited: The Freedom Unlimited is like your one friend who can count on to eat all the leftovers of the table. For anything that doesn’t qualify for any category specific purchases, just throw them at this card. These might include big ticket items like electronics and appliances, car repairs, and mattresses that really have large point values. And currently, it’s offering a sign-up up bonus of $150 with a minimum spend of $500 in the first three months of account opening.
-1.5X points on everything
-No annual fee
The train of thought you should follow is
- “Does this qualify for the current 5X bonus category?”
If Yes, then use the Chase Freedom.
- “Is this a restaurant or travel-related purchase?”
If Yes, then use the Sapphire Preferred or Reserve.
- For everything else use the Freedom Unlimited
3. Chase Sapphire Preferred OR Chase Sapphire Reserve: Both of the Sapphire cards are top-of-the-line travel credit cards are currently offering a sign up bonus of 50,000 points with a minimum spend of $4000 in the first three months. I myself had the Preferred until I switched over to the Reserve during its insane 100K signing bonus. Unfortunately, I don’t see that happening again anytime soon, if ever.
|Annual Fee: $450||Annual Fee: 1st year waived then $95|
|3X points at restaurants and travel related purchases||2X points at restaurants and travel related purchases|
|1.5X redemption value on Chase portal||1.25X redemption value on Chase portal|
|1:1 point transfer to travel partners (United, Singapore Airlines, Korean Air, Hyatt, Marriott, etc)||1:1 point transfer to travel partners (United, Singapore Airlines, Korean Air, Hyatt, Marriott, etc)|
|$300 annual travel credit|
|$100 Global entry credit|
|Complimentary Priority pass membership|
There are always ways to earn more points, and just a little extra effort can turn into a lot of extra points. Make sure to always consolidate your points on the Reserve or Preferred to get that point multiplier when redeeming through the portal.
And remember, if you apply at ThePointsMarket.com, you’ll get an extra sign-up cash bonus from us!
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