Chase Ultimate Rewards - Chase Exclusives Freedom 10 per swipe

The Chase Exclusives reward program give 10 per swipe. Anyone have any creative ways of increasing the number of swipes.I have only come up with a couple ideas.Wife and I get separate checks when dining out, and I also buy gas more frequently.( smaller amounts) I use the self service check out at the grocery store and split my shopping into two orders.I know it's only 10 points, not really sure this is worth a lot of effort. Any ideas?

I have a great one for you that I personally use.

Go to snapfish.com upload one picture go to checkout your total will be 9 cents
then their will be shipping

Put in coupon code FSJUL25

You will get FREE SHIPPING PLUS 25 percent off.

Bringing your total purchase to a grand total of 7 cents.

you can do it all day. (and use the coupon code as many times as you want)

and if you have pictures to print then thats even better.

I think I have found a new hobby. Photography!

Did you try it out?

Hope I helped!

I tried and got a message "your order does not meet the min for this discount code" I'll play with it some more.I did order one picture and it shows .09 but won't take the code.

For me it always worked. ( Last I did it was 2 weeks ago)

Anyways their are a lot of coupon codes and cheap things. Easy to play around with

I think you can buy amazon gift cards in extremely small denominations. Haven't checked lately, but I think you can enter any value.

one dollar

The abuse of this has been documented on other sites expect it to last for
40000 to 70,000 points and then chase will close all your accounts

40,000-70,000 point OMG! I was hoping maybe to find a couple hundred.

You can also add one minute to your phone bill, which is like a few cents

Chase has been coming after people who does a suspiciously large number of purchases with small statement balances. This has been discussed endlessly on blogs. They have algorithm in place to flag accounts and ban people for life. All miles accrued were removed and miles spent were charged to their accounts. It doesn't matter if it's 40,000 or 4 millions. All miles earned were removed or back charged.

Not worth it.

Massively abusing the program to where algorithms can catch it might be bad, but just doing it occasionally to earn a few extra points here and there on normal purchases should be alright I would think.

Haha wow. 40,000-70,000 at 10 points/transaction. That's some serious dedication. I wish I had the Chase Freedom card. I have a Chase checking account and Sapphire Preferred card but the good 30k Freedom card bonuses were gone before I was ready to apply. So I guess I'll just wait and hope that at least a 25,000 bonus will come back before I apply.

How does one sign up for Chase Exclusive - is it through your local Chase bank or do you call Chase credit card services to enroll?

If you value miles/points at 2 cents/each and can get away endlessly earning 10 of them (20 cents worth) by spending 3 minutes of your time per small transaction generated, you are making 20 transactions/hour x 20 cents = $4/hour in a restricted currency. Unemployment pays more.

You don't need to sign up. As long as you have a Chase Checking and Chase Freedom account, the exclusives program activates automatically.

I believe you can speed up the process through customer service at the bank.

OP has some good, reasonable ideas IMO. Splitting a $75-100 grocery trip into 2 separate transactions is not likely to throw up red flags; same for splitting dinner checks, etc. These are things that are also easy to do... especially groceries if you're doing self check out. If you can split a purchase once a day all year that's 10 points x 365 days = 3650 points... nothing to sneeze at. Two or three times per day and you're basically getting a 10k/year point dividend for 0 annual fee...

This kind of thing is almost certainly safe at that level. Buying 2 cent Amazon gift cards 10,000 times is likely to pique their interest...

Chase should still be profiting, though, since merchants usually pay a flat fee of x cents + y(% of total transaction price). 10UR = 10 cents. So long as x>10, Chase shouldn't mind and is also profiting from your time.

How does one sign up for Chase Exclusive - is it through your local Chase bank or do you call Chase credit card services to enroll?

Found a link with Google, but the the 10% & 10 pts bonus link for Freedom is temporarily (?) off...

https://www.chase.com/index.jsp?pg_name=ccpmapp/shared/marketing/page/chase_exclusives_offer

Parking meters in L.A. take credit cards. 25¢ at a time = 41 miles per dollar ^

I have seen reports of people getting banned for continuously doing "penny purchases" to get points. I'd never use my Chase acct like that. But in the course of a month, I'll pick up 100 miles or so just from a couple bucks of parking. Not bad.

don't make one of the biggest mistake in your life, you do this very often and one day CHASE will BAN YOU for life like they have always been doing

Is all this effort to split up bills really worth 10 cents?

I think this story originated on FatWallet, but there was a guy who set up a script to repeatedly buy minimum-amount Amazon gift certificate purchases on his Freedom to collect the 10 cents. If I recall, it went on for two months, he racked up a ton of points, and his credit card bill was like 100+ pages long.

Then, as many have alluded to, his account was shut down and he was permabanned by Chase.

Bottom line, the only way this 'trick' is scalable puts a big fat target on you. Risk/reward doesn't work on this one.

One thing to keep in mind for this, though, is that it makes the Freedom the best card to use for almost all small purchases (like under $10) that aren't on a 5x category. At $10, you're breaking even with a 2x card, and anything below that and you're doing better with the Freedom.

Splitting a $75-100 grocery trip into 2 separate transactions is not likely to throw up red flags; same for splitting dinner checks, etc. These are things that are also easy to do... especially groceries if you're doing self check out.

How much extra time does it take you to split up your order and run through two separate checkout sessions instead of one? If a couple minutes, then you're earning $6/hour worth of miles/points for your time. Worth it, even if the risk of having Chase shut you down is low?

How much extra time does it take you to split up your order and run through two separate checkout sessions instead of one? If a couple minutes, then you're earning $6/hour worth of miles/points for your time. Worth it, even if the risk of having Chase shut you down is low?

I dont think Chase would have any issue if you are doing it at the POS.

It is those who wrote a script that buys AMZN gift cert at 0.01 a piece that were shut down by Chase.

As for the "your time is money" argument - unless a person is a money printing machine, in that every waking hour is making money, else it is a BS argument - you get stuck in the traffic every day for more than that few extra minutes spent at the grocery check out I am sure.

I did something similar with cap 1, and my statement was about 75 pages long. I didn't do it with amazon, but paying a bill. I was actually shut down first by the place I was paying the bill at when they called me and told me they were going to get charged something like $.40 per transaction. I stopped running the script with them...but about a month later received a certified letter from my local bank branch saying they were closing my account. Since the letter didn't detail anything as to why, I called, but nobody at the branch would specifically tell me why. They kept saying I violated their account deposit agreement. I read it, didn't see anything in there that stood out. I didn't fight it beyond that, I got to keep my points. It's funny...if you call and ask, they will say there is no limit, but there really is. Definitely risky if u do a script...and I would never do it with chase, amex or citi.

As for the "your time is money" argument - unless a person is a money printing machine, in that every waking hour is making money, else it is a BS argument - you get stuck in the traffic every day for more than that few extra minutes spent at the grocery check out I am sure.

Nothing BS about it; the situation is quite concrete. When you are stuck in traffic, you are choosing to deal with it because of the payout, be that a monetary one of being able to earn money at work or in the form of enjoyment by being able to visit a friend or enjoy dinner out with your wife. When you choose to spend extra time in a checkout line, you'd similarly do so only for the payout. In this case, your payout is a few dollars per hour worth of restricted currency (miles/points). There are people happy to stand in line for $5/hour and there are others who wouldn't do it for $100/hour. I'm just pointing out the expected return with this exploit for those who might falsely perceive they are getting a large return. Figure out a way to get a substantial quantity of qualifying transactions that cycle every 20 seconds instead of every few minutes and then you're starting to get somewhere ($36/hour).

I'm a couponer. Last month I made 135 swipes, many under 50c each.

I tend to do the same transaction many times. The fraud lock kicks in at the 18th to 20th swipe. It is most annoying, but they're fine with what I'm doing when I tell them.

Nothing BS about it; the situation is quite concrete. When you are stuck in traffic, you are choosing to deal with it because of the payout, be that a monetary one of being able to earn money at work or in the form of enjoyment by being able to visit a friend or enjoy dinner out with your wife. When you choose to spend extra time in a checkout line, you'd similarly do so only for the payout. In this case, your payout is a few dollars per hour worth of restricted currency (miles/points). There are people happy to stand in line for $5/hour and there are others who wouldn't do it for $100/hour. I'm just pointing out the expected return with this exploit for those who might falsely perceive they are getting a large return. Figure out a way to get a substantial quantity of qualifying transactions that cycle every 20 seconds instead of every few minutes and then you're starting to get somewhere ($36/hour).

You would not be able to exploit it with the fast track method which can only be done via script doing online transactions and as we all know this is a sure way to get shut down by Chase.

As for people who change their method of shopping, just by splitting their purchases into small lots on each shopping trip, the lost of time is minimal for the thousand miles gained each month.

Granted, it is not a killer way to rake in miles, but it is not a bad way to add one to two Ks each month with very minimal efforts.

See the post right below yours - someone has been doing it and no issue with Chase at all as I expected - doing it at the POS level you wouldn't have any issue. Doing it with hundreds of online transaction at pennies, sure you would cut down the time involved by a lot, but you would also invite Chase to shut you down.

I'm a couponer. Last month I made 135 swipes, many under 50c each.

I tend to do the same transaction many times. The fraud lock kicks in at the 18th to 20th swipe. It is most annoying, but they're fine with what I'm doing when I tell them.

As for people who change their method of shopping, just by splitting their purchases into small lots on each shopping trip, the lost of time is minimal for the thousand miles gained each month.

The operative word is "minimal". To earn, for example, 3,000 miles extra per month through additional transactions, you'd need to make 300 of them (~10/day). If by "minimal" time you mean that you can, on average, complete each of those additional transactions in 20 seconds, then you're earning roughly $60 worth of miles/points for 100 minutes of your time. That's worth it to some. If, however, you're using a method that takes a couple of minutes (for example, splitting up grocery orders so you have to go through the checkout process twice in a row, or topping off your gas tank with a second purchase of a quick spurt), then you're choosing to spend hours per month delaying yourself for a very small payout. That's great if you realize what you are doing and are happy with $5/hour, but could cause some to kick themselves if they thought they were spending their time cleverly earning something substantial.

I'm a couponer. Last month I made 135 swipes, many under 50c each.

I tend to do the same transaction many times. The fraud lock kicks in at the 18th to 20th swipe. It is most annoying, but they're fine with what I'm doing when I tell them.


The fraud dept doesn't care if it was you who swiped all the transactions. But if someone reported to a supervisor, and if they didn't like what you were doing, they will shut you down.

The operative word is "minimal". To earn, for example, 3,000 miles extra per month through additional transactions, you'd need to make 300 of them (~10/day). If by "minimal" time you mean that you can, on average, complete each of those additional transactions in 20 seconds, then you're earning roughly $60 worth of miles/points for 100 minutes of your time. That's worth it to some. If, however, you're using a method that takes a couple of minutes (for example, splitting up grocery orders so you have to go through the checkout process twice in a row, or topping off your gas tank with a second purchase of a quick spurt), then you're choosing to spend hours per month delaying yourself for a very small payout. That's great if you realize what you are doing and are happy with $5/hour, but could cause some to kick themselves if they thought they were spending their time cleverly earning something substantial.

Many folks spent tens of hours per month just watching junk TV - that time could be used to make meaningful money as well per your analysis.

Give folks a break - however they want to spend their time, is not up to you to scold them for not making the most of return of their time.

Many folks spent tens of hours per month just watching junk TV - that time could be used to make meaningful money as well per your analysis.

Give folks a break - however they want to spend their time, is not up to you to scold them for not making the most of return of their time.

If someone prefers to give up their leisure time (watching TV, collecting stamps, whatever) to make $4 worth of points per hour, more power to them. I'd suggest, however, they might consider more lucrative employment or hobby options if that's their objective. I said from the start that some people find it worth it, others don't - never scolded, just highlighting the reality of the return on your time.

Many folks spent tens of hours per month just watching junk TV - that time could be used to make meaningful money as well per your analysis.

Give folks a break - however they want to spend their time, is not up to you to scold them for not making the most of return of their time.

Agreed. In fact, many people on this site spend hours a day reading posts, responding, and learning. If that is a "waste" of time, then why spend so much time lambasting people when they implement the tactics they learn? You should be working instead! I don't think anyone is trying to get rich off of their travel / miles habits. People are trying to enhance their quality of life by enhancing the quality of their travel. I don't see anything wrong with that.

Think of it another way - I've never made any money while grocery shopping, so even making an extra 10 cents off the chore is an exponential increase.

Also, I don't really think of this as money made but instead as money saved. People cut coupons all the time. People buy "groupons" and other similar money-saving things. Would you think that was an utter waste?

One thing that has been left out of these value calculations is the value of how you feal for having gotten a littel something extra for nothing, kinda like when you get the room upgrade to a jr suite,
the per swipe bonus workd great for us, my wife averages 90 swipes a month, while 900 points is not earth shattering it definelty helps

Agreed. In fact, many people on this site spend hours a day reading posts, responding, and learning. If that is a "waste" of time, then why spend so much time lambasting people when they implement the tactics they learn? You should be working instead!

You're correct, and we're making the same point. Everyone values their time and activities differently. Some enjoy reading and responding to posts and perhaps would even *pay* to do it (subscribe to FT if there was a subscription cost, for example). Others wouldn't bother even if they were paid. In the same vein, some people might enjoy/value making $4 worth of points for each hour they spend in line processing additional transactions. Who knows - maybe some people would even pay to do it because they find it so much fun? Others wouldn't do it even if they could make $30/hour. Everyone needs to decide how they want to spend their time, and if monetary/points value comes into play, it is helpful to understand what you are making per hour so you can take a wise decision.

Also, I don't really think of this as money made but instead as money saved. People cut coupons all the time. People buy "groupons" and other similar money-saving things. Would you think that was an utter waste?

One and the same. If you can save $20 off what you'd actually be spending otherwise by taking an hour of your time to utilize coupons, it is the same as taking an hour of your time to earn $20 which you could then apply to the full price of the same goods/services. Everyone has their own price. Some will happily spend 3 minutes to save $5, even if it means doing something boring, as they'd accept $100/hour to just stand around. Others are too busy or profitable with other activities to bother, and others will do it for much less as in this Chase exploit, where some people are happy earning just a couple dollars per hour by processing multiple 10-point transactions.

One thing that has been left out of these value calculations is the value of how you feal for having gotten a littel something extra for nothing, kinda like when you get the room upgrade to a jr suite, the per swipe bonus workd great for us, my wife averages 90 swipes a month, while 900 points is not earth shattering it definelty helps

Yup. If the rush/enjoyment of earning those extra 20 cents per transaction has value itself, you absolutely need to include that too. That's precisely why I think some people are willing to earn so little per hour in doing this... they find it fun. Others don't have better options, and others don't really understand how little they are making, but those are less rosy scenarios :) Are the 90 swipes your wife does per month *extra* swipes purely because of this offer, or are they swipes she'd be doing anyway in the course of her day, even if no additional points were earned? If the latter, it's nice boost for sure, as she's getting something for nothing. If, however, she's going out f her way to do extra swipes, I'd be curious how much time she spends doing that for the ~$18 worth of points.

You're correct, and we're making the same point. Everyone values their time and activities differently. Some enjoy reading and responding to posts and perhaps would even *pay* to do it (subscribe to FT if there was a subscription cost, for example). Others wouldn't bother even if they were paid. In the same vein, some people might enjoy/value making $4 worth of points for each hour they spend in line processing additional transactions. Who knows - maybe some people would even pay to do it because they find it so much fun? Others wouldn't do it even if they could make $30/hour. Everyone needs to decide how they want to spend their time, and if monetary/points value comes into play, it is helpful to understand what you are making per hour so you can take a wise decision.



One and the same. If you can save $20 off what you'd actually be spending otherwise by taking an hour of your time to utilize coupons, it is the same as taking an hour of your time to earn $20 which you could then apply to the full price of the same goods/services. Everyone has their own price. Some will happily spend 3 minutes to save $5, even if it means doing something boring, as they'd accept $100/hour to just stand around. Others are too busy or profitable with other activities to bother, and others will do it for much less as in this Chase exploit, where some people are happy earning just a couple dollars per hour by processing multiple 10-point transactions.

Or I could be sitting here getting paid $30/hr. and doing this during the time my codes are compiling and running.
Why are you caring so much with what others want to do? Let them do it.

Or I could be sitting here getting paid $30/hr. and doing this during the time my codes are compiling and running.
Why are you caring so much with what others want to do? Let them do it.

Indeed you could! How nice would it be to have a system where you can earn $30/hour without dedicating any time to the earning engine?

I don't understand your assertion that I'm not allowing others to do what they want. Not only do I have no right to prohibit others from spending their time swiping their cards, I've been explicit in acknowledging that many people find it worth it, even if their return is negligible. I am "caring" so much in that I enjoy evaluating the time/reward trade-off and I find the psychology of such matters fascinating. I'm actually losing money by spending time reading and writing about this, but I'm willing because I enjoy it. Quite similar to the way some people will spend an extra 2 minutes in line to make 20 cents worth of points, even though they could be making more by other means. We're a crazy lot!

Are the 90 swipes your wife does per month *extra* swipes purely because of this offer, or are they swipes she'd be doing anyway in the course of her day, even if no additional points were earned? If the latter, it's nice boost for sure, as she's getting something for nothing. If, however, she's going out f her way to do extra swipes, I'd be curious how much time she spends doing that for the ~$18 worth of points.

nope they are just regualr swipes, she is not wiling to do extra things for the miles but i have her off cash and with all the running around she does with our 4 year old, there are many small charges each day.
as i think about it more there are some multiple swipes per day but its not due to trying to get extra swipes but instead sue to the fact she oftne forgets an item and stops by target a second or third time in a day.

nope they are just regualr swipes, she is not wiling to do extra things for the miles but i have her off cash and with all the running around she does with our 4 year old, there are many small charges each day.
as i think about it more there are some multiple swipes per day but its not due to trying to get extra swipes but instead sue to the fact she oftne forgets an item and stops by target a second or third time in a day.

Nice bonus then... something for nothing! My wife is similar... she runs around charging stuff all the time, so I make sure she has the most lucrative card for her spending pattern. If instead I asked her to spend an extra two minutes to earn 20 cents worth of points every time she shops I cringe to think of how badly my love life would decline ;)

I don't understand your assertion that I'm not allowing others to do what they want. Not only do I have no right to prohibit others from spending their time swiping their cards, I've been explicit in acknowledging that many people find it worth it, even if their return is negligible. I am "caring" so much in that I enjoy evaluating the time/reward trade-off and I find the psychology of such matters fascinating. I'm actually losing money by spending time reading and writing about this, but I'm willing because I enjoy it. Quite similar to the way some people will spend an extra 2 minutes in line to make 20 cents worth of points, even though they could be making more by other means. We're a crazy lot!

Hmmm, at the very least you've lessened my regret at not having this card. I do indeed make several minor purchases a day and have wistfully wished I had this card then, but now that you spell out the rate of return in cold hard math, I am convinced my decision to pursue other Chase cards first was the right one.

Cheers

Hmmm, at the very least you've lessened my regret at not having this card. I do indeed make several minor purchases a day and have wistfully wished I had this card then, but now that you spell out the rate of return in cold hard math, I am convinced my decision to pursue other Chase cards first was the right one.

Cheers

Remember that these 10-point bonuses are just one of the reasons to have a Chase Freedom card. The quarterly category spend bonuses are the big reason to have this card since you have a chance to earn 24,000 bonus points annually (in addition to the 6K at 1 point/$) that can turn into Chase UR points, assuming you hold a Chase Sapphire Preferred. Although other companies are getting into the act (I've had limited time bonus offers from Chase BA, Barclay Choice, and Citi AA this year), the Freedom is a nice card to have for everyday spending as well.

If there's any reason to hold off applying for the Freedom right now, it's the low 10K signup and spend bonus--pretty low historically for this card but perhaps not too out of whack with the current credit card climate.

Remember that these 10-point bonuses are just one of the reasons to have a Chase Freedom card. The quarterly category spend bonuses are the big reason to have this card since you have a chance to earn 24,000 bonus points annually (in addition to the 6K at 1 point/$) that can turn into Chase UR points, assuming you hold a Chase Sapphire Preferred. Although other companies are getting into the act (I've had limited time bonus offers from Chase BA, Barclay Choice, and Citi AA this year), the Freedom is a nice card to have for everyday spending as well.

If there's any reason to hold off applying for the Freedom right now, it's the low 10K signup and spend bonus--pretty low historically for this card but perhaps not too out of whack with the current credit card climate.

Given that Chase is very liberal about bumping up bonuses if a better one comes out within 90 days, I went ahead and applied for the freedom. Cant wait for those category bonuses and no fee.

I have Chase freedom and just need Chase checking account.
Too bad they don't have 25k CO (now UA) miles promotion. The best I found is $125 coupon.

Or I could be sitting here getting paid $30/hr. and doing this during the time my codes are compiling and running.
Why are you caring so much with what others want to do? Let them do it.

Surely if you're a developer you can figure out how to write a script to make these purchases automatically and then spend the time "compiling" how it's meant to be spent:

http://xkcd.com/303/

If anyone wants more information about Chase Exclusives and how exactly it works, here is a small write up I did. It is odd that Chase has this programs but doesn't really promote it or have too much information on their website about it.

I just received an online message from Chase saying that Chase exclusive is not immediate upong opening both a checking account and the Freedom card. It can take 2-3 billing cycles before it starts.

I just received an online message from Chase saying that Chase exclusive is not immediate upong opening both a checking account and the Freedom card. It can take 2-3 billing cycles before it starts.

This is true, but you can message them to be back-credited with your points.

This is true, but you can message them to be back-credited with your points.

I tried doing this a few months ago but they didn't honor it. Took 2 billing cycles before it took effect. Maybe becuase it was my first card with chase...

I have noticed the difference in customer service is night and day between freedom and sapphire. Have had the hardest time getting UR mall points that didn't post with freedom but for the sapphire they give no trouble and round up.

I tried doing this a few months ago but they didn't honor it. Took 2 billing cycles before it took effect. Maybe becuase it was my first card with chase...

I have noticed the difference in customer service is night and day between freedom and sapphire. Have had the hardest time getting UR mall points that didn't post with freedom but for the sapphire they give no trouble and round up.

I have had a hard time with my Ink Bold and recently my Sapphire having points credited. Only needed that done twice on my freedom and both times were handled easily by secure message.

Warning: Abuse of this will result in 2-3 statement cycles, and between 50,000-140,000 points before your account will be cancelled, all your cards closed, and unredeemed balance forfeited.

This has been done on other forums with the above results by 2-3 people.

If you must proceed, the preferred method seemed to be gift certs from your favorite internet bookseller that begins with an A.

You'll really have to write a script to purchase, track, and redeem to do this with any level of sanity.

You'll really have to write a script to purchase, track, and redeem to do this with any level of sanity.

Don't be so sure. Clearly, there are people in here who are happy to make $6/hour worth of points by repeatedly placing manual order after order after order.

Don't be so sure. Clearly, there are people in here who are happy to make $6/hour worth of points by repeatedly placing manual order after order after order.

People write a script so they don't have to do that. Sort of like macros in Excel.

People write a script so they don't have to do that. Sort of like macros in Excel.

I know. That's what I explained upthread, but there were some who said they'd actually consider doing manual transactions that take, say two minutes each, and still consider it worth their time.

I tried doing this a few months ago but they didn't honor it. Took 2 billing cycles before it took effect. Maybe becuase it was my first card with chase...


I hope they retroactively credit the Chase exclusive bonus as I have made almost daily transactions of $5-20 for meals since July 1, when the Freedom card started their 5% bonus on restaurants. 10 extra points x 30 days a month for dining out and using the Freedom card is 300 extra points. This is not a huge amount of points, but I'll still take it. I guess this is nothing compared to those talking about using scripts to net tens of thousand of points.

I have just torn my hair out trying to get Chase Exclusives recognition for my Freedom card. I opened the card five months ago and opened a Chase Checking Account simultaneously and had the two linked to each other.

I was told after 1-2 billing cycles I would get 10 points per transaction. This never happened. Now when I'm on the phone with them they say they have never heard of Chase Exclusives, and that I must be thinking about the Chase 10 plus 10 program that offers an extra 10% rebate, but which is a different product from this one.

I know that's not the case. I tried going to the Chase Exclusives webpage today, and the link to the Freedom card is no longer functional.

Are others having this problem and is there any specific info or promotion code I can provide these morons so they know what I am referring to?

Try referring to it as the "10 and 10" program.

Edit: Never mind, skipped that paragraph. From what I've heard, there are 2 types of Freedoms and you can "switch" between the non-Exclusives one and the Exclusives one. It's a weird arrangement.

FWIW, my last Freedom billing cycle showed the 10 points + 10% on it, so it still exists on cards that were opened in the past (late last year).

I've had a Chase Freedom card for several years now, though of late, maybe the last 8 months or so, never checked the points statements in detail to make sure they were posting properly, just assumed they always did, as they always have in the past.

Interestingly enough the exclusives website (www.chase.com/exclusives) still shows all the same benefits there. The learn more option for each seems to work except for the freedom, which gives a 404. Hopefully, they just linked it wrong - but the points I get with exclusives definitely has me choosing the freedom card over the others I have.

It definitely works, but it does take a couple cycles to "kick in." That being said, when I first got my Freedom card, I went into the branch to try to "link" the card and my checking account. Needless to say, the branch knows about the offer, but could not figure out how to link it. When I called customer service, they pointed the finger at the branch. In the end, the "link" occurred and I started getting the extra bonuses. The cool thing is that if you calculate what you should get with the promotion, just SM Chase and ask them, nicely, for the points and they will have no problem adjusting it.

Just contacted them again in the hopes of getting another supervisor. The guy I got this time says he never heard of Chase Exclusives and suggested I speak to my bank officer!

It definitely works, but it does take a couple cycles to "kick in." That being said, when I first got my Freedom card, I went into the branch to try to "link" the card and my checking account. Needless to say, the branch knows about the offer, but could not figure out how to link it. When I called customer service, they pointed the finger at the branch. In the end, the "link" occurred and I started getting the extra bonuses. The cool thing is that if you calculate would you should get with the promotion, just SM Chase and ask them, nicely, for the points and they will have no problem adjusting it.

Thanks for the feedback. Sadly, it has now been four cycles. The fact that I am getting a 404 error on the link tells me I may be out of luck. Still a good credit card for the quarterly promotions, but I have over 400 transactions and feel like I am out at least 4,000 points. I guess I will stop using the card other than for quarterly promotions, and shut my checking account down.

Did you SM them? Explain the deal to them and ask them to pass this on to whatever department has control over this problem. Explain what you have done so they don't have you repeat the same thing over.

I opened a Freedom card and a checking account last month. I sent a message similar to:

Hi. Could you please confirm I am now enrolled in the
Exclusives program since I opened a checking
account and have a Freedom credit card?

----------
Dear 100countrygoal,

I have received your e-mail regarding the Chase Exclusives
program.

The account is not yet enrolled for the
Chase Freedom Exclusives program. As you have a Chase
Freedom card and an open Chase checking account, you will
be automatically upgraded to the Chase Freedom Exclusives
product within approximately 1-3 statement cycles.

With Freedom Exclusives, you'll earn 1 point on all
purchases, 2 points on qualifying travel purchases made
through the Ultimate Rewards Travel Booking Tool, and an
extra bonus on all spending that includes 1 point for
every $10 of net purchases and an additional 10 points for
each individual net purchase.

For example, if you made a $200 purchase anywhere, you
would earn 200 points + 20 points + 10 points = 230
points.

You can also earn up to 10% per $1 when shopping through
the Chase Ultimate Rewards Mall.

If you have any further questions, please reply using the
Secure Message Center.

Thank you,

XX
Customer Service Specialist

1-800-436-7927

I happened to stumble on a signup page for a Freedom card that specifically mentioned the Exclusives program and gives the details.

http://www.mychasecreditcards.com/9000001/

(The signup bonus is only $10 so it's not a great way to get a Freedom card...)

Have you talked to your branch manager?

We have very OLD Freedom cards from years ago. We did not have Chase checking accounts until 2 years ago when Chase offered 25K CO miles to open the checking account. When we opened our checking accounts, the banker saw we had Freedom cards and offered to link them. The "linkage" function is on one of the several screens she has gone thru during the account opening process. We actually asked NOT to link my husband's as his was still under the old program with the $50 bonus when you redeem $200 and 5% on everyday purchases not the quarterly rotating categories. She obliged so one was linked and one wasn't. Shortly thereafter Chase finally also switched husband's Freedom card to the current version. As soon as the conversion was done, the linkage to the checking account automatically happened.

Though I thought we are on the "10 plus 10" program - I do not even know about the Freedom Exclusive name until recently.

Exactly what is different between the 10 plus 10 and the Exclusives? Based on the email posted, the only added bennie is the bonus points earn from booking thru UR Mall - but isn't the Freedom itself already enjoys such benefits when booking thru UR Mall?

It seems to me Chase just repackages the 10 plus 10 with a better sounding name but the 2 programs are essentially the same.

The Chase Exclusives Page is here:

https://www.chase.com/index.jsp?pg_name=ccpmapp/shared/marketing/page/chase_exclusives_offer

Indeed if you click on the "Credit Cards" link it gives you a 404, and if you let it sit for about 10 seconds, it redirects you here:

http://www.chasefreedomnow.com/1030096

Which is just about the freedom card, but not the exclusive. However, if you go back to the first page I linked (the main page) - it clearly says at the bottom:

"1. You will earn 1 base point for each $1 of net purchases. You will earn an additional 1 point for each $1 of eligible airfare net purchases made online through the program booking tool. As a Chase checking customer, you will also earn 1 bonus point for each $10 of net purchases (which equates to 10% of base points earned), and an additional 10 bonus points for each individual net purchase..."

So to me it is pretty clear it is still active...

I had similar issues when I first got my Freedom card (about 4 months ago). Nobody had any idea what I was talking about. The first person told me to go to a branch. The person at the branch "linked" my card but it still didn't work. I called again and nobody at the call centers knew what I was talking about. The CC department would try to transfer me to the banking department and vice versa. Most people would try to explain the 5% quarterly bonuses to me. Finally I told someone to open a web browser (seriously!) and google chase exclusives. I walked her step by step to get to the chase page with a description of the program. Finally she transferred me to a higher up that knew what he was talking about. He told me it would link up but he would flag the account to watch it and make sure it linked properly (not sure if he actually did, nor am I really comfortable with someone saying they would "flag" my account but OK) Within a few weeks of that (and NOT at my statement date) I had a bunch of points post which included my sign up bonus that was 30,000 UR points plus a few thousand extra. I think either they retroactively applied the exclusives bonus or the rep I talked to threw some in as a "bonus" for the inconvenience, though I can't be sure.

I guess my point is be persistent. Keep trying to talk to different people because although MOST reps don't know what you're talking about, some do. Find the competent person that can help you and get it straightened out.

I noticed exclusives recently also and sent a SM to Chase. Got a quick reply back saying that I was already in the program so I'm sure they know about it. Had the same problem with the 404 error which prompted me to contact them via SM :-)

I have had the Chase Freedom several years, want to take advantage of the Exclusive program. I got a coupon emailed from Chase but when I try to open an account and put in my zip it won't go any further. What can I do?

I have had the Chase Freedom several years, want to take advantage of the Exclusive program. I got a coupon emailed from Chase but when I try to open an account and put in my zip it won't go any further. What can I do?

Go open an account in branch?

Go open an account in branch?
That would work and I would in a heartbeat, but there is no branch nearby. I might could find one when I am on a vacation, depending on where I go. I tried to call them and they put me on hold forever and then phone went dead, maybe they hung up on me. Sent a SM and they told me I had to call a toll free number which is the same one I had just called when it went dead. Goodness, there has to be a way around this. I thought they wanted more business. Someone has to have a solution.

The parking meters in Minneapolis take credit cards for as little as 25 cents - you could buy everybody an extra 15 minutes of parking!

edrags' report of difficulty enrolling a Freedom card in this program has been merged into an existing thread, which has been moved from MilesBuzz! to Credit Card Programs.

That would work and I would in a heartbeat, but there is no branch nearby. I might could find one when I am on a vacation, depending on where I go. I tried to call them and they put me on hold forever and then phone went dead, maybe they hung up on me. Sent a SM and they told me I had to call a toll free number which is the same one I had just called when it went dead. Goodness, there has to be a way around this. I thought they wanted more business. Someone has to have a solution.

I've heard of situations where banks won't open you an account online if you enter a zip code where there is no B&M presence. This is ridiculous (IMO) with the ability to do 99% of your banking electronically now, but I've heard of it from Citi and Chase both. I'm sure there are ways around it--plus there's the option of doing it while you're on vacation as you mentioned. They may flag that as suspicious at first, but being an existing card holder and if you explain your reasoning, I think they shouldn't have any trouble opening it.

Hi,

This is slightly off-tangent. I am thinking of getting the Freedom card just to hit the 5% bonus categories. I already have the Sapphire Preferred card which I use for just about everything. The question is would using the Freedom card exclusively on the 5% bonus categories be considered an abuse by Chase? I don't want to get blacklisted by Chase since I have many accounts with them.

Thanks

Hi,

This is slightly off-tangent. I am thinking of getting the Freedom card just to hit the 5% bonus categories. I already have the Sapphire Preferred card which I use for just about everything. The question is would using the Freedom card exclusively on the 5% bonus categories be considered an abuse by Chase? I don't want to get blacklisted by Chase since I have many accounts with them.

Thanks

Definitely NOT.

After all, the 5% earning has a cap of $75 per quarter ($1,500 spend), so what "abuse" can you do with such small amount?

I just send a PM for an update since I have been waiting for 4 months.

How do I sign up for:

Chase Exclusives Freedom 10 per swipe

How do I sign up for:

Chase Exclusives Freedom 10 per swipe

IIRC, it just happened automatically after I opened my checking account (had the Freedom card for years). I may have sent a secure message though to make sure they were linked.

I sent a private message after waiting 2 months. We they replied, they said I had been automatically activated the week prior to contacting them.

Has anyone else heard the rumor that Chase is getting rid of the Freedom exclusives 10 points per swipe program? I've been holding off on applying since in the process of buying a house but maybe I should go ahead and apply since this is the next card on my list, because of the 10 points per swipe.

"I received a tip from a source that I believe to be reliable that sometime in November the program will be grandfathered for existing customers and downgraded for new customers."

Chase Freedom Exclusives Downgraded Rumor (http://www.dansdeals.com/archives/24883)

Glad I already have the card, and I hope I remain "grandfathered" even though I only have had the card for a few months.

I hope they don't change the 10% to an annual bonus. I really enjoy using my card at a vending machine and seeing the points accrual relative to spend at the end of each month.

We opened a Freedom and a checking account in October. Sent a SM to request expediting entry into the Exclusives program, but the reply was it was automatic and takes one to three billing cycles and cannot be expedited. Is there somewhere on the online account screen that will indicate we are part of the Exclusives program once it becomes official?

We opened a Freedom and a checking account in October. Sent a SM to request expediting entry into the Exclusives program, but the reply was it was automatic and takes one to three billing cycles and cannot be expedited. Is there somewhere on the online account screen that will indicate we are part of the Exclusives program once it becomes official?

It will show on your statement. I got them to backdate all my points, but it did take 3 months for it to start.

I have had a checking account with Chase for a few years. Recently I applied for the Freedom card and received it today. After activating the card I sent a Secure Message to Chase asking them to link the card to checking account and activate the Chase Exclusives program. Here is the reply from Chase...

"Thank you for contacting Chase.

I regret that, the Chase Exclusive rewards program has now
been discontinued, hence we are unable to link your credit
card and checking account."

I have had a checking account with Chase for a few years. Recently I applied for the Freedom card and received it today. After activating the card I sent a Secure Message to Chase asking them to link the card to checking account and activate the Chase Exclusives program. Here is the reply from Chase...

"Thank you for contacting Chase.

I regret that, the Chase Exclusive rewards program has now
been discontinued, hence we are unable to link your credit
card and checking account."

What a bummer if this is true! Was planning to have my wife apply for a Freedom once they upped the sign-up bonus again, but I guess I waited too long. I will add her as an AU to my account now and hope they do not discontinue the program for existing accounts.

I have had a checking account with Chase for a few years. Recently I applied for the Freedom card and received it today. After activating the card I sent a Secure Message to Chase asking them to link the card to checking account and activate the Chase Exclusives program. Here is the reply from Chase...

"Thank you for contacting Chase.

I regret that, the Chase Exclusive rewards program has now
been discontinued, hence we are unable to link your credit
card and checking account."

I just left my local Chase branch. The Freedom brochure says the new rules apply to "applications submitted on or after November 11, 2012." My banker says my two-month old card is grandfathered. However, there seems to be some confusion. He called someone to deal with a different issue, and that guy argued that the program was going away! I don't think they can pull the rug out from under existing cardholders, so I'm not worried. I just wish you could see that "10 for 10" was activated somehow without waiting to see it show up on your statement. :(

. . . I don't think they can pull the rug out from under existing cardholders, so I'm not worried. . . . :(

I'm pretty sure that they can change any terms at their discretion . . .

It will show on your statement. I got them to backdate all my points, but it did take 3 months for it to start.

That's a good sign at least. That means I'll be using my Freedom for all <$10 purchases starting now! Hopefully they backdate my points when it finally kicks in as well.

I don't think they can pull the rug out from under existing cardholders, so I'm not worried.

Of course they can - have you read the T&Cs of ANY credit card? There is always that clause, program rules can change anytime without advance notice.

In practice, Chase tend to phrase out changes of programs on existing customers.

As an example, a few years ago Chase had cards earned 5% on EVERYTHING. The grandfathered cards were phrasing out of such rewards in almost 3 years period in batches.

The old Freedom version had $50 bonus for $200 redeemed. My card was phrased out in the 1st year Chase changed it. My husband's card did not change until 2 years later, among the last batch that lost that feature.

I've had the 10+10 feature of Chase for a while now, and I love having the feature (great for small purchases). If I lose it, it won't be a deal breaker, especially with bonus categories on everything with other cards. If they lose rotating 5x, that will be a deal breaker.

The 5% categories are a standard feature of the freedom card. There is no indication that would end. I also love using the card for small purchases - my card will get much less use if the 10 per transaction goes away.

I've had a Freedom card for about 3 months, and opened a checking account yesterday while I'm on vacation... Normally, I'd leave my checking with DCU, as I've been using them for years and years, but the Exclusives program was too good an idea to give up. Chase repeatedly refused to open a checking account for me from home... Been trying since I had the Freedom in hand. Walked into a branch in Florida, and walked out 15 minutes later with a new checking account.

The info the branch had on hand was seemed to confirm that accounts opened on or before 11/11 would be grandfathered, and new accounts would receive a 10% bonus reward. I asked the guy who opened my checking account if I'd get the new or old program, as I had a Freedom card before 11/11. He made a phone call, and confirmed I would not get the old 10 for 10 program.

So, the question is... Do you think its worthwhile to switch over to Chase for checking given the current state of the Exclusives program?

I closed my chase checking account at some point during the summer. i still had the 10/10 as recently up on my 9/4 statement.

I opened a new checking account in early September for the $200 sign up bonus, but there has not been any 10/10 (or any exclusives bonus) on the freedom since, so I guess it's dead for me. Oh well.

Can someone explain to me why Chase Exclusives ending is a big deal? I've got Exclusives on my account, but I'm still planning on closing the account soon so that I can reopen it in a couple months to churn the bonus.

Let's assume (conservatively) that the checking bonus is $150 and you get it once a year (there are often $200 bonuses, but you have to pay taxes on it, so let's just say $150). Let's also assume that the average charge on your Freedom card is $20. Each transaction gives you 12 extra points owing to Exclusives. Now let's assume (optimistically) that you can get 3 cents per point out of your UR points. That means you get 36 cents of value per transaction.

To get an equivalent return on Exclusives as just churning the checking bonus, you'd have to make 417 transactions on your Freedom in a year -- more than once a day. Maybe that's reasonable if Freedom is your only/primary card, but for most of us with a full wallet of cards (and who pay attention to bonus categories etc), that's a very unlikely scenario.

Something I missed here?

10 per swipe gives great value for small transactions, of which I have many. $1.50 for coffee in the morning? Ten extra points. $0.85 for a candy bar at lunch? Ten extra points. Since I have lots of small transactions, freedom is frequently my most used card when calculated by number of transactions. Plus, the 10% bonus is better than the 7% dividend you get with sapphire preferred.

Well, the secure message CSR says it should automatically activate within 1-3 billing cycles and I will get a notification letter, brochure, T&C's 3-4 weeks after it's been upgraded, so maybe not dead.

10 per swipe gives great value for small transactions, of which I have many. $1.50 for coffee in the morning? Ten extra points. $0.85 for a candy bar at lunch? Ten extra points. Since I have lots of small transactions, freedom is frequently my most used card when calculated by number of transactions. Plus, the 10% bonus is better than the 7% dividend you get with sapphire preferred.

Yeah, but you're still better off churning the checking account bonus rather than leaving it open for Exclusives, unless you don't agree with my off-the-cuff calculations.

Yeah, but you're still better off churning the checking account bonus rather than leaving it open for Exclusives, unless you don't agree with my off-the-cuff calculations.

Perhaps. I don't really have much interest in churning checking accounts. I use the bank accounts that I have, and for the most part don't get them involved in my points strategy.

My wife stops and gets a Coke every morning. She uses our Freedom card. While she's in the store, I'm able to buy three $1 purchases of gas at the pump. Gas here is at $3/gallon now, so I'm getting about gallon of gas for about $2.70.

Buying two items at the grocery store? I buy them separately at the self-checkout.

We also use this card for all of our small purchases. Everybody has those types of purchases and it's a lot nicer to get the 1.1X + 10 points than 2X on a ~$1 purchase, especially when you have a lot of them throughout the course of the day.

I know the new 10 + 10 exclusives isn't available for new Freedom applicants, but I want to make sure old cardholders don't lose this privilege. Is this correct? Thanks

I know the new 10 + 10 exclusives isn't available for new Freedom applicants, but I want to make sure old cardholders don't lose this privilege. Is this correct? Thanks

Should be correct. I had them on my latest statement.

And I've been swiping a Square purchase or 2 (maybe more) daily for ~$1.00 to reap the 11 points. Might as well maximize (read: whore it out) for the final year.

Should be correct. I had them on my latest statement.

And I've been swiping a Square purchase or 2 (maybe more) daily for ~$1.00 to reap the 11 points. Might as well maximize (read: whore it out) for the final year.

I'd be careful with that. Chase has banned some people who really abused the Exclusives perk (e.g., writing a script to buy thousands of 1 cent gift cards). I certainly don't think it's likely that a few $1 purchases a day will result in the same fate, but I'm not sure I'd want to risk it for such a minimal payoff.

Anyone have luck getting the exclusive program retroactively applied? got in before the exclusives program ended for new subscribers, but they said it would take 1-3 billings cycles

Anyone have luck getting the exclusive program retroactively applied? got in before the exclusives program ended for new subscribers, but they said it would take 1-3 billings cycles

I think you are asking about getting the 10-10 bonus for charges just after you signed up. If so, mine was applied to the previous month's charges as a customer service (or something like it) adjustment. I did not make a request, it just appeared on my statement. Gave me about 700 UR points. I wasn't planning to request the adjustment, but was glad to get it.

Some more detail on the changes I got after I sent a message to Chase to confirm enrollment:

A review of your Freedom account ending in xxxx reflects
that we have already upgraded your account to the Freedom
Exclusives 10/10 rewards program. The notification
letters, rewards brochures, and terms & conditions will be
mailed approximately three to four weeks after the account
has been upgraded and then you will start earning your
rewards based on the 10/10 promotion.

Please keep in mind that your account will be converted to
a Freedom rewards program in the year 2013. You will be
duly notified about the change to your rewards program in
writing prior to the change. Your rewards earning
structure will change from 10 &10 Exclusive rewards
program to a 10% annual bonus as long as you have a
checking account. However, your account will remain on 10
&10 Exclusive rewards program for at least 1 year before
migrating to the new rewards earning structure.

After the change, instead of earning points as per the
Exclusive rewards program, you will earn points as per the
Freedom program and an additional bonus of 10% on all
points earned for the year 2013, as long as the checking
account is open till 12/31/2013.

My wife is the primary on our Freedom card and Chase just sent us the marketing info for this 10-10 program. At first glance I thought we were going to get 10pts per dollar on all transactions, but then realized the program states that we will receive 10% of the base points earned that month, effectively 1.1pts/$ spent and 10 pts per transaction.

I'm putting small labels on the backs of of our cards to help us remember when to use which. Freedom has the rotating quarterly bonus, my CSP card is for travel and dining, and our MileagePlus Explorer cards are for car rentals and United Airlines purchases, good grief! :)

Yeah, I'm doing the same thing. This quarter, it's Discover for restaurants and movies, Chase for gas and drugstores, and Fidelity FIA (2% toward my son's 529 account) for everything else.

Well sort of a datapoint - Had about 600 home depot transactions for between 0.25 to $2 (average about $1) in the last 1/1/2 statements. Didn't trigger anything.

Well sort of a datapoint - Had about 600 home depot transactions for between 0.25 to $2 (average about $1) in the last 1/1/2 statements. Didn't trigger anything.

(!) buying nuts and bolts individually?

(!) buying nuts and bolts individually?

Hah, no wasn't just for fun, was for profit via the Zombie Mulch coupons. Got 10 years worth of some cleaning supplies, toilet paper, garbage bags, etc. :)

ditto on the card labels! until wallaby starts looking like it will do everyhing we want it to, labels updated at least quarterly are a must for me

Please keep in mind that your account will be converted to
a Freedom rewards program in the year 2013. You will be
duly notified about the change to your rewards program in
writing prior to the change. Your rewards earning
structure will change from 10 &10 Exclusive rewards
program to a 10% annual bonus as long as you have a
checking account. However, your account will remain on 10
&10 Exclusive rewards program for at least 1 year before
migrating to the new rewards earning structure.

After the change, instead of earning points as per the
Exclusive rewards program, you will earn points as per the
Freedom program and an additional bonus of 10% on all
points earned for the year 2013, as long as the checking
account is open till 12/31/2013.[/I]

Just to let everyone know, I have had a Freedom card for quite a while, and today I was talking to a Chase CSR and she said that ALL Freedom accounts will be converted over to the new program, probably by the end of the year. So enjoy the minimum 10 UR points per purchase while you can, it will eventually be going away for everyone. :(

Ahh - damm - I was looking to join this program and get myself a Freedom card too but it doesn't make sense now. Did you mean that this program will carry till the end of 2013 or 2012?

Ahh - damm - I was looking to join this program and get myself a Freedom card too but it doesn't make sense now. Did you mean that this program will carry till the end of 2013 or 2012?

She made it sound like by the end of 2013. I would still go ahead and get the Freedom card since there is no annual fee, you get the quarterly 5X bonus categories, and the new program will feature a year end 10% bonus.

She made it sound like by the end of 2013. I would still go ahead and get the Freedom card since there is no annual fee, you get the quarterly 5X bonus categories, and the new program will feature a year end 10% bonus.

That may not be too bad. I will dig into this a bit more and see if this is a good option for me.

Do you know if you have to sign up in person for this Chase Exclusive program or can you do it online?

That may not be too bad. I will dig into this a bit more and see if this is a good option for me.

Do you know if you have to sign up in person for this Chase Exclusive program or can you do it online?

Neither, they do it automatically X days after the checking account is opened.


Although 4 years ago when I originally signed up for my checking accuont in branch, they upsold me this version of the freedom through the branch.


I'm also not sure you CAN still sign up for it. The freedom link is dead at chase.com/exclusives

Got the following from Chase secure message regarding the new Exclusive program. Thought the 10pt/$ spent on UR is pretty big. Only thing is I don’t know if I have to use the Freedom Card for the purchase or I just have to use the Freedom UR portal. Just started experimenting with it. Anyone has experience with this?
“I regret to inform you that, the Exclusive rewards
program is discontinued effective 11/11/2012. However,
please note that it is simply changing from 10&10 to a 10%
annual bonus. This new program applies the bonus to all
points earned from spend, including the quarterly bonus,
and is much simpler.
Similar to 10&10, all new customers who qualify for
Exclusives after 11/11/12 with a checking account and a
Freedom card will receive the new 10% annual bonus
Exclusives benefit automatically.
From the year 2013, card members having an open Chase
checking account, and a Freedom credit card will earn a
10% bonus on all points earned for the year 2013, as long
as the checking account is open till 12/31/2013.
With Freedom Exclusives, you earn:
- 1 point per $1 on all purchases
- 2 points per $1 on travel purchases booked through
Ultimate Rewards Travel Booking Tool
- 10 points per $1 on purchases made at the Ultimate
Rewards Mall
Plus you’ll receive these bonuses on all spending:
- 10% extra points on every dollar spent
- 10 bonus points on every purchase
- 5% Quarterly Spending Categories on up to $1500 spent
in categories (Quarterly Activation Required)”

Looks like the Chase Exclusive program still is available through 2013. I like the 10 points per dollar on ultimate rewards. So all I have to do is open up a Chase checking account and then get a Freedom card?

Got the following from Chase secure message regarding the new Exclusive program. Thought the 10pt/$ spent on UR is pretty big. Only thing is I don’t know if I have to use the Freedom Card for the purchase or I just have to use the Freedom UR portal. Just started experimenting with it. Anyone has experience with this?
“I regret to inform you that, the Exclusive rewards
program is discontinued effective 11/11/2012. However,
please note that it is simply changing from 10&10 to a 10%
annual bonus. This new program applies the bonus to all
points earned from spend, including the quarterly bonus,
and is much simpler.
Similar to 10&10, all new customers who qualify for
Exclusives after 11/11/12 with a checking account and a
Freedom card will receive the new 10% annual bonus
Exclusives benefit automatically.
From the year 2013, card members having an open Chase
checking account, and a Freedom credit card will earn a
10% bonus on all points earned for the year 2013, as long
as the checking account is open till 12/31/2013.
With Freedom Exclusives, you earn:
- 1 point per $1 on all purchases
- 2 points per $1 on travel purchases booked through
Ultimate Rewards Travel Booking Tool
- 10 points per $1 on purchases made at the Ultimate
Rewards Mall
Plus you’ll receive these bonuses on all spending:
- 10% extra points on every dollar spent
- 10 bonus points on every purchase
- 5% Quarterly Spending Categories on up to $1500 spent
in categories (Quarterly Activation Required)”

Wow, this is very interesting. I think many of us in this thread thought that the change meant the end to the 10 points per swipe, but this last post seems to say that is here to stay.

Wow, this is very interesting. I think many of us in this thread thought that the change meant the end to the 10 points per swipe, but this last post seems to say that is here to stay.

I honestly think we need to wait for more official communication regarding the changes. I can't imagine all of the above referenced changes being true. That would mean that on a $10 transaction through the UR mall, at a merchant such as drugstore.com this quarter which is also the quarterly bonus you could earn:

10 points base spend +
10 points per swipe +
100 points for 10/$ +
Whatever the actual UR bonus through the mall is (right now 7/$) 70 points +
50 points for 5% category+
10% bonus (1 extra point) =

241 points.

I have to think that keeping all of these bonuses intact won't happen.

I honestly think we need to wait for more official communication regarding the changes. I can't imagine all of the above referenced changes being true. That would mean that on a $10 transaction through the UR mall, at a merchant such as drugstore.com this quarter which is also the quarterly bonus you could earn:

10 points base spend +
10 points per swipe +
100 points for 10/$ +
Whatever the actual UR bonus through the mall is (right now 7/$) 70 points +
50 points for 5% category+
10% bonus (1 extra point) =

241 points.

I have to think that keeping all of these bonuses intact won't happen.

Just spent 45 minutes on the phone with Chase. I have been on the 10/10 program for about a year. I had emailed them a few days ago asking them for clarification on any changes. I also then asked them to send me the terms and conditions of the 10/10 program before they discontinued it.

Imagine my surprise when a rep sent me the breakdown also mentioning the 10 points per $ on Ultimate Rewards Mall purchases. I know for a fact I never got that. So I made the call to customer service. The first rep I spoke to also read me the same thing off whatever info she had (10 per $ for Ultimate Rewards Mall purchases). I told her I wasn't getting it so she escalated my call....

Next person was confused and kept trying to tell me I was getting it. Instead I explained she was pointing out the 10 per purchase...not 10 per $1 for shopping mall. She then transferred me to a Senior Acct Specialist...

This supervisor started to get confused and asked me to read her exactly what my email said. She got concerned because she had NO IDEA where the email team was getting their information. Her information and the brochure does not mention anything about 10 pts per $ for Ultimate Rewards Mall and she had me give her the reps name who emailed me this information. She said she would contact that team and see where they were getting this info as it was not correct. The program does not include any additional points for URM...just what is advertised on the website...

I reminded her that the first person I spoke to on the phone also read me the same thing. I also let her know that I was not the only person being given this information and it was being sent out by other reps....

Another confusing point was that 2 reps emailed me saying that starting in 2013 anyone with a Freedom and Chase account would get an ADDITIONAL 10%. And yes they used the word "additional". Since I already get 10% as part of the program I asked if I was getting 10% additional as stated...

Once again she said this was incorrect. Anyone who gets the card and checking account AFTER they discontinued the old program will get 10% versus the 10/10 program instead.

I honestly think we need to wait for more official communication regarding the changes. I can't imagine all of the above referenced changes being true. That would mean that on a $10 transaction through the UR mall, at a merchant such as drugstore.com this quarter which is also the quarterly bonus you could earn:

10 points base spend +
10 points per swipe +
100 points for 10/$ +
Whatever the actual UR bonus through the mall is (right now 7/$) 70 points +
50 points for 5% category+
10% bonus (1 extra point) =

241 points.

I have to think that keeping all of these bonuses intact won't happen.

Yeah, the 10% at UR Mall does not sound correct. My main concern was that the 10 points per swipe was going away, so my point was that does not seem to be the case.

Yeah, the 10% at UR Mall does not sound correct. My main concern was that the 10 points per swipe was going away, so my point was that does not seem to be the case.

Maybe they mean that the card gives you access to the UR mall where some merchants offer up to 10x. Probably not but just a wild guess

Sounds like 1.1 points per $ on regular spend and 5.5 points per $ on bonus if both the card and account make it to December 31.

i.e. Total your points on January to December statements and multiply by 10% to get the bonus in February.

It also sounds like the marketing department doesn't know exactly which parts of the program are regular Freedom benefits and which are the exclusives. This doesn't surprise me because I often know more about it than the personal bankers I sometimes sometimes see at my branch.

Discussion continues here...

http://www.flyertalk.com/forum/credit-card-programs/1441242-chase-freedom-eliminates-10-10-even-those-grandfathered-into-program.html