Posted by Chuck on December 12, 2019
Credit Cards

Published on December 12th, 2019 | by Chuck

52

Chase Freedom Q1 2020 5% Categories: Gas, Streaming, Internet, Cable and Phone Services

Chase has released the 5% category on the Freedom card for the first quarter of 2020:

  • Gas stations
  • Select streaming services (eligible streaming services include: Netflix, Hulu, Sling, Vudu, FuboTV, Apple Music, SiriusXM, Pandora, Spotify, YouTube and ESPN+)
  • Internet, cable and phone services

Gas might be interesting to some, some have had success with convenience stores like 7-11 coding as gas too, though technically it’s probably only going to include pumped gas. Internet and phone isn’t very interesting for those with the INK 5x card, but still could be useful for those without one of those cards. Streaming services gets 6% on Blue Cash Preferred, but some will prefer 5x Ultimate Rewards instead.

Underwhelming for me, personally. These aren’t yet showing publicly, but Chase released the information to affiliates, apparently.

Discover will have Grocery Stores, Walgreens and CVS for the Q1 2020 5% category. Citi Dividend will have Supermarkets and Fitness Clubs.



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Parts Unknown
Parts Unknown

Meh

Ry5
Ry5

Really? What more could you want? Gas is great.

Staradmiral
Staradmiral

Not if you drive a hybrid

Kai
Kai

Or if you don’t own a car.

S. G.
S. G.

go to gas station, get GC for places you shop anyways = win

Vy
Vy

Really location-dependent. All the gas stations near me no longer accept CC for GC purchases.

CK
CK

I drive an EV….so no, not great.

Ruben
Ruben

Really if you think, just for 1 sec, you could actually go to any gas station and buy Milk, Gift Cards, Fresh Bread, Oil Change, Coffee just to name a few and earn 5% in all of them. In fact, 2 Vanilla Visa’s that only cost $5 each for $1K gives you $50-$10=$40 bucks and you could spend them thru out the month.

Dave
Dave

Except that buying items there are marked up.
No potential savings

Vy
Vy

Exactly. A gas station is about the most expensive place to buy anything edible.

CHRIS
CHRIS

First time with this card. Does it only code gas if it’s an actual gas purchase and not something from inside the station?

Frank Rizzo
Frank Rizzo

Anything in side so long as it is an actual gas station.

Dan
Dan

This is not 100% accurate. You need to check Visa’s vendor locator map and even then I would do a small test purchase. I have seen convenience stores at gas stations not code as gas.

Superman
Superman

Procedure to find out if convenience store is an actual gas station: Step 1, buy an item (coffee, doughnut) w/ your gas purchase. Step 2, observe if single transaction or if 2 different cash registers are used (some franchises may be owned/operated separately). Step 3, check your statement if single transaction or if total is split (Pa’s Gas Station $20, Ma’s Convenience Store $1.07).

Be careful to avoid those which are not “Gas stations”. Each year I buy a combination of $1,500 in gas cards or gift cards, and every year I have received 7,500 UR. Next year should be no different.

Eric
Eric

Why not just check the Visa website to see if it counts as Gas or not?

Superman
Superman

Dan provided the procedure for how to get theoretical proof, so I elaborated on procedure for how to get empirical proof, as a way to say, “Trust, but verify”. Also the latter is not limited to Visa (i.e., Discover It Q2 2020 5% category includes gas stations). https://www.doctorofcredit.com/discover-announces-full-2020-5-cashback-calendar/

Eric S.
Eric S.

Grocery-owned gas stations can be messy, too. Meijer’s pumps code as gas (and work for Freedom and Discover), but the convenience store codes as grocery (like the main store). I think Kroger and their chains are similar, but I never get gas there, so I can’t confirm.

Jeff H
Jeff H

Agreed. Hy-Vee automated gas pumps here code Grocery and not gas.

Emily
Emily

Interesting, our Hy-Vee gas station and pumps code as gas station and our Market Grille inside the store codes as restaurant

Siv
Siv

Can internet and cable services like Verizon Fios be paid with CC?

YYF
YYF

yes. but no more discount for autopay then.

Johnny
Johnny

Pay most of the bill and leave only a few dollars for autopay, keeps everyone happy.

Mike
Mike

Doesn’t work that way anymore. If you remove auto pay from FiOS it auto cancels the discount. Whole amount must be charged to debit now

GM
GM

A Verizon wireless told me one time payments are fine and auto pay discount won’t be taken off. Was your comment specific to Fios?

Sam
Sam

I pump my gas from Costco, so scored 5% by using Chase pay in store Costco to buy $100 Gift card. I will use it second quarter.

Chris
Chris

How do you use Chase Pay at Costco? Or is this through Samsung Pay?

Grant
Grant

Samsung Pay

Superman
Superman

+1. When linked to Samsung Pay or QR code??

Lucian
Lucian

When linked with Samsung Pay. QR doesn’t work at Costco. (Not that I’m aware of.)

Sam
Sam

I specifically use Chase Pay app so that Chase cant deny 5% cashback. I have android phone S10+, so instead of swiping card, I place the back of my phone on the point of sale terminal.

Superman
Superman

Sam Q2 is 5% wholesale clubs category for Discover, buy Costco card online or link Discover card to Samsung Pay to buy at Costco, and save your $100 gift card for Q3.

Sam
Sam

I dont have Discover yet but I see what you are saying. I will probably buy another $200 cash card from wife’s Freedom. I maxed out my two Freedoms already.

Matt
Matt

Phone/cable/internet is good, but already maxed that out with the 5x on utilities on CFU/CF a few months ago (forget which card that offer was on). I’m already far overpaid with my phone/internet bill!

DB
DB

Good to know that at least there’s a category that can be MS-ed

Staradmiral
Staradmiral

That’s region dependent. It’s cash only for GC at EVERY gas station near me.

Kai
Kai

Maybe he plans on buying gasoline, then reselling it at slightly below market value. That would technically be MS, right?

Stan
Stan

terrible now that 7/11 stores and other stations are more strict on no GC purchased with CC in most areas

Electroman

Ah, the memories. Around here the 7-11s don’t sell gift cards at all – no, not even for 7-11s, and haven’t for many years. Despite this, a “gas” quarter is always good to me – at stations that *do* sell gift cards., and

AA
AA

Are cell phone services included?

AA
AA

Now they’ve published the details publicly. It looks like cell phone service is included. They do specify that if you were to make a payment in a store, the transaction may show as a “telephone equipment purchase,” which won’t count,

Interestingly, I noticed web hosting services like 1&1 Internet and DreamHost included. I also saw Dropbox on the inclusions list.

das1996
das1996

Prepay the internet/cable bill for several months in advance?

AT&T uverse fiber counts as a internet provider?

Pat Moore
Pat Moore

YouTube tv or YouTube premium?

amexneveragain
amexneveragain

Disney+ not included? That’s a shame

AKJohnny
AKJohnny

going to san antonio in q1.. hope to max out gas at 7-11 there…

Tim
Tim

Well there goes that new years resolution. No maxing out these categories

Jeff H
Jeff H

Since the wrap-up of the article mentions the 5% big trhee, why not also ,mention Cashplus 5% first quarter open for activation too?

https://cashplus.usbank.com/merchants/index

AB
AB

Almost all streaming services code as one of the telecomm categories that scores 5X on Inks. Poor way to start the year off.

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