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Here’s a hint: Freedom is offering 5x points this quarter.
I bet some of you have already utilized this little trick, but I thought I’d highlight as we are about halfway through the 1st quarter. Chase Freedom will give you 5x points when you use Apple Pay to purchase any good or service. Did you know that you can actually pay your friends with Apple Pay? You’ll get hit with a 3% fee to do so, but you can charge it to your credit credit card if it’s registered to Apple Pay. This is a great way to pay your room-mate for rent, or if a group goes out to dinner to pay your part of the bill. Obviously, if you can hit the $1500 max per quarter with traditional payments and avoid the 3% fee it’s better, but this opens up another avenue to profitably maximize the quarterly bonus.
Make sure your Apple Pay Cash is turned on.
You can access it via “Settings” —-> “Wallet & Apple Pay.” You’ll see the cards you have registered.
When you want to pay someone, just select Apple Pay at the bottom of an iMessage, and follow the instructions.
As you can see, you’re given the option to pick one of your accounts. Then, you’ll see the 3% fee added on.
I have 2 Freedoms, which gives me the opportunity to earn 15k this quarter. Combine that with the 15k I earned at Walmart in Q4, 2017 – I’m well on my way to flying like this again. Just 65k on Singapore Airlines.
Swiss Business Class Throne Seat.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Chase Sapphire Preferred® Card
Welcome Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
- 5x on all travel purchased through Chase Travel℠
- 3x on dining, including eligible delivery services for takeout & dining out
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- $50 Annual Chase Travel Hotel Credit via Chase Travel℠
- The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
- 2x on all other travel
- 10% Anniversary Bonus
- Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
- Chase Sapphire Preferred continues to redeem at 1.25c in the Chase Travel℠ and the slew of other benefits remain in tact including Auto Rental Collision Damage Waiver ( primary ), purchase protections, etc.
- Points are transferrable to 14 Ultimate Rewards partners
- Redeem in Chase Travel℠ for 1.25 cents per point
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- $95 Annual Fee
We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.
Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.
If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex® and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners
Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.
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