Posted by Chuck on January 15, 2019
Credit Cards

Published on January 15th, 2019 | by Chuck

65

Chase Amazon Card: Get 5% Back on Bill Payments for Insurance, Utilities, Phone Service, Cable; Max $500 Cashback

The Offer

Direct Link to offer (activate at this link)

  • Earn 5% Back on up to $10,000 in purchases when you pay select bills with your Amazon Rewards Visa Signature Card between January 15 and April 15, 2019.
  • Included Categories: Internet, Cable, and Phone Service; Utilities; Insurance.

Reader Ryan Goldstein supplied us with the direct link. I didn’t yet get an email, but was able to activate it there. Even non-Prime members who have the 3% card are getting this offer. It is, however, targeted, as the link above does not work for everyone.

The Fine Print

  • Must activate offer first.
  • 5% Back: To be eligible for this offer, you must log on to the website referenced in this offer and enroll by 03/31/19, 11:59 p.m. EST.
  • You’ll earn 5% Back for each $1 spent, on up to $10,000 in total spend on combined purchases in the reward categories listed below during the promotional period (4% additional Back on top of the 1% Back earned on each purchase). This equates to 5 points for each $1 spent, until you reach the $10,000 limit. After $10,000 on combined purchases in the reward categories listed below, you go back to earning 1% Back rewards for every dollar spent, with no maximum.
  • For a purchase to qualify for this offer, the merchant must submit charges to your credit card by the last day of the promotional period 04/15/19.
  • All of your eligible purchases during the promotional period will be automatically counted, as long as you have enrolled by 03/31/2019.
  • Please allow up to 8 weeks after qualifying purchases post to your account for 5% Back to post to your account.
  • To be eligible for this offer, your account must be open and not in default at the time of fulfillment.
  • Rewards Categories: Internet, Cable, and Phone Service category merchants provide internet, cable, satellite television, radio, cellular, wireless data, and landline services.
  • In addition, if you purchase or pay for your internet, cable and satellite television, phone or related services in a merchant’s store that is not registered by the merchant in the applicable services category, the purchase or payment will not qualify; for example, phone bill payments in a merchant’s store that register to Chase as a telephone equipment store.
  • Utility category merchants provide electric, household fuel, water, and sanitation.
  • Please note that purchases of equipment and some merchants that sell utility-related goods and services are not included; for example, electronics or other retail stores and merchants offering maintenance and cleaning services.
  • Insurance category merchants provide health, automobile, homeowners, medical, and life insurance.
  • What determines whether a merchant falls into a category? Merchants who accept Visa/MasterCard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making offers to you.
  • Please note: We make every effort to include all relevant merchant codes in our categories. However, even though a merchant or some of the items that it sells may appear to fit within a category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for offers on purchases in that category.
  • Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a category if the technology is not set up to process the purchase in that category.
  • This promotional offer is non-transferable. For more information about your rewards program, see your Rewards Program Agreement.

Our Verdict

Overall, it’s a terrific offer with a high maximum bonus. I wouldn’t value this as a $500 bonus since you can easily get $200-$250 with a 2-2.5% card, but it’s still a nice gain.

For those with an INK card who already get bonus rewards on the Phone and Cable categories, it’s probably the Insurance and Utilities categories which you’ll want to target to see if you can max this out. Consider paying out your utilities and insurances (car, health, life, etc) for the rest of the year at this 5% cashback rate. Worth doing a small test first to make sure it codes properly.

Another idea mentioned on r/churning is that Plastiq codes certain payees as Utilities and that might work for this. Let us know if you try. (Update: does not work)

Hat tip to readers Ryan, Benny, Jeremy



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XD
XD

seems targeted.
“The offer you are attempting to access is not available for the card account you entered. If you have another account, please try signing in using that card’s information.”

Shri
Shri

Same here.

Kapil
Kapil

Not targeted-Offer is not valid on your account

Tworth
Tworth

I have the Prime Rewards card and got this message when I tried activating through the above link: “The offer you are attempting to access is not available for the card account you entered. If you have another account, please try signing in using that card’s information.”

vipul
vipul

It seems targeted: The offer you are attempting to access is not available for the card account you entered. If you have another account, please try signing in using that card’s information.

Sevillada
Sevillada

Thanks for this, including the plastiq tip. Worked for me

Ryan Goldstein

Keep in mind that the US Bank Cash+ card has Home Utilities as one of the selectable 5% categories: https://cashplus.usbank.com/merchants/detail/4121

As does the Vantage West Connect Rewards card: https://vantagewest.org/personal/credit-cards/connect-rewards-visa/

Scott
Scott

Great call out. I take full advantage of the 5% utility. But it would be nice to get 5% on insurance. Not aware of any other cards offering it.

5150d
5150d

+1 for RYAN – I already get 5% on Home Utilities with US Bank Cash+ but would like to know if any other card regularly offers bonus on “Insurance”?

Estelle
Estelle

Amazon prime signature card does until April 2019.

Ryan Goldstein

Arcadia Power counts as a utility charge on the US Bank Cash+ card and the Vantage West Connect Rewards card, so it will probably count for this as well. A good way to circumvent any fees that your utility provider might charge: https://www.doctorofcredit.com/arcadia-power-pay-your-electric-bill-with-credit-card-for-no-fee-available-nationwide/

Abey

Question: Ink Preferred 3x UR vs 5% Cash. What is the better value?

JV
JV

I’d value 3x UR higher than 5% cash because i can get ~1.9c when transferring to airlines, some people can regularly get more than 2c when transferring for certain rewards. If just comparing what you can get in cash, 5% is higher than both Preferred rate of 1.25c and reserves of 1.5c.

qmc
qmc

Depends, what cpp do you value 1x UR at …

NinjaX
NinjaX

nobody can answer that for you. although they can give you personal valuations, but thats not really useful to you.

for example, i can tell you my own choice. i will never use this offer b/c:
1) rather put 10k on MSR for SUB
2) put 10k on HH ascend free night
3) put 10k on other CC annual spend bonuses
4) get BBP 2x MR as last resort

meaning, 5x amazon is just cash. i dont value cash in this game unless its a crazy amount.

Yoni
Yoni

CIC (ink cash 5X) is 7.5% with CSR for travel
CIP (3x) is 4.5% w/CSR for travel @1.25 w/CSP~CIP its 6.625% and 3.75% for travel.

UR travel earns miles – I recently booked an Intl flight that will net me miles for an RT to Hawaii. YMMV As well booking with CSR get great travel insurance, etc.

or you can transfer to Partner for mileage award that can far exceed the % above for sweet spots.

I have the Amazon card but I always cash out my points rather than use on Amazon it get the same value and still earn 5% on purchases and then only buy what I need rather than look for items to use points on.

Master Allan
Master Allan

No good on my Chase Amazon card. Offer not available for the card account…

John Y
John Y

Me neither….this sucks

Abey

Thanks. Worked for me

Henry
Henry

Please update the title to be “Internet” rather than “Insurance.”

Betelgeuse
Betelgeuse

I got the email but I no longer have prime. So should work for none Prime users.

Jace
Jace

Thank you! Worked for me.

JV
JV

I dont see that 5% applies to insurance?Is it possible they have multiple versions of the offer going around? I see mention of insurance in the terms, but the actual photo only says 5% on phone internet and cable.

Ryan Goldstein

I was one of the people who sent in this tip. Here’s a screenshot a bit farther down in that email:

https://imgur.com/fz85EgF

Lisa
Lisa

Hope it spreads to other Chase cards

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