Chase Exclusives

Chase Freedom – 5x UR At Drugstores This Quarter

Yesterday as I was activating the rotating 5% quarterly Cash Back Bonus for my Discover Card and Chase Freedom Card, I saw something extremely interesting.

For Chase Freedom this Quarter, you can earn 5% Cash Back (or 5x UR) at DRUGSTORES!

Link To Activate 5% Cash Back Bonus

If you are wondering why this make me the tiniest bit excited, it is because Drugstores include the following:

Vanilla Reload 5x

Over the last few months, I had been using Vanilla Reload Cards (VRC) that I purchased at Walgreens and CVS, to hit the $14,000 in Minimum Spend Requirement for my App-O-Rama.

Unfortunately, at $8 per $1,000 worth of VRC, in my opinion it only makes sense to purchase the VRC to complete the Minimum Spend.

However now with this 5x Ultimate Rewards Bonus for Quarter 1, if you bought 3 $500 Vanilla Reload Cards at CVS or Walgreens, you would earn 7,500 Ultimate Rewards for around $12!

Unfortunately there is a quarterly cap of $1,500 in spend on the 5x bonus for Drugstores, so this won’t be another Office Depot extravaganza but it is still an easy way to get 7,500 Ultimate Rewards.

I haven’t done Vanilla Reload Cards at Walgreens or CVS in a couple of months, so I am not 100% sure if you can still buy them with Credit Cards but my guess is that YMMV (Your Mileage May Vary).

If you can’t find any Vanilla Reload Cards then you can also buy the regular Vanilla Prepaid Cards and “liberate” them via Amazon Payments.

If You Don’t Have A Chase Freedom

While you can always sign up for a Chase Freedom Card here, I’d personally recommend not wasting a valuable Chase “Sign Up” opportunity.

Instead if you have any other Chase Cards that have an Annual Fee coming due like a Chase Sapphire Preferred, instead of canceling that Card, simply request to “downgrade” to the Chase Freedom which doesn’t have an Annual Fee.

This way you can keep your Credit Line open, get a Chase Freedom Card, avoid paying an Annual Fee, not have to waste an Application on the Chase Freedom, and still take advantage of this Q1 promotion.

You have until March 14th to get your Freedom Card and register it for the Quarter 1 promotion!

Additionally if you have a Chase Checking account, then you are eligible for Chase Exclusives, which gives you an additional 10% bonus on Chase Freedom purchases. Not sure though if that 10% bonus is on your actual purchase or is on the 5x UR bonus.


Although there is a $1,500 cap on the 5x UR at Drugstores, this is a still a phenomenal way to “buy” 7,500 UR Points for around $12.

This is a pretty amazing deal when you consider that if you had to buy 8,000 Miles from a Ultimate Rewards Transfer Partner like United Airlines, it would cost you $301.


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Chase Sapphire Preferred MasterCard & Which Cards Earn Ultimate Rewards

Judging by the amount of Reader email I get, I suspect a lot of you with the Chase Sapphire Preferred Card have quickly discovered how awesome Ultimate Rewards Points can be.

The flexibility to transfer at a 1:1 ratio to United, British Airways (for use on American), Southwest, Hyatt, Priority Club, and Marriott is truly amazing.

That being said, Ultimate Rewards Points are obviously the most valuable “currency” out there and many of you have asked if it is possible to “churn” the Chase Sapphire Preferred to get some more points.

Unfortunately from what I have read, Chase is fairly strict about churning and re-issuing Sign On Bonuses. You more than likely have to wait a good 2 years after you cancel your Card to sign up again and get the bonus.

Although that is disappointing, on the bright side, there are a whole host of other Chase Cards that do in fact earn Ultimate Rewards Points!

So if you are out of Ultimate Rewards Points or are coming near the 1 year anniversary of your Chase Sapphire Preferred Visa, I would suggest taking a look at these other Cards from Chase.

Personal Cards That Earn Ultimate Rewards Points

Chase Sapphire Preferred Visa

Link To Chase Sapphire Preferred Visa

If you signed up via FFU or any of the other blogs for a Chase Sapphire Preferred Card this past year, then this is the Card you have.

It earns 2x Points on Travel & Dining purchases, has no Foreign Transaction Fee, gets a 7% annual points dividend, and has the $95 annual fee waived for the 1st year.

For signing up, you get 40,000 Ultimate Rewards Points if you spend $3,000 on the Card in 3 months.

If you don’t have any Chase Cards that earn Ultimate Rewards, then this is the Card to get! This is the #1 Travel Card out there!

You will not be disappointed!

Chase Sapphire Preferred MasterCard

Link To Chase Sapphire Preferred Mastercard

(If above link doesn’t work, simply go to and search for the Card)

While Credit Cards can have the exact same name and can be issued by the same Bank, depending on what Network the Card runs on (MasterCard, Visa, AMEX, Discover), you can re-sign up for Card and get the bonus again.

So for the Chase Sapphire Preferred, Chase has one from Visa and one from MasterCard.

If you have already had the Chase Sapphire Preferred Visa and closed it, then you can apply for the Chase Sapphire Preferred MasterCard, and you will receive the 40,000 Point Sign On Bonus again. (Hat tip to George P. on Twitter)

From what I am told by the Chase Phone Agents, you cannot have a Chase Sapphire Preferred Visa open and get approved for the MasterCard version. You have to close the Chase Sapphire Preferred Visa first.

That being said, this is an easy way to get another 40,000 UR Points!

Chase Sapphire (Not Preferred) Visa & MasterCard

Link To Chase Sapphire Visa

Link To Chase Sapphire MasterCard

I wouldn’t recommend signing up for these Cards just to get the Sign Up Bonus, because it is fairly low but this is another Card that earns Ultimate Rewards Points.

The Chase Sapphire earns 2 UR Points per $1 spent on Dining, but NOT Travel.

There is no Annual Fee on the Chase Sapphire, but you CANNOT transfer UR Points to Airlines or Hotels like you can with the Chase Sapphire Preferred.

However if you have a Chase Sapphire Preferred, Chase INK Bold, or Chase INK Plus that has that 1:1 transfer ability, then you can simply transfer your UR Points from the Chase Sapphire to either of those other Credit Card accounts for free, and then you will have the ability to transfer to Airlines & Hotels.

I currently have the Chase Sapphire Card because when the Annual Fee came due for the Chase Sapphire Preferred, I simply downgraded to the Chase Sapphire for free instead of closing my account. The Card currently sits in my drawer.

The current Sign Up Bonus for the Chase Sapphire is 10,000 Ultimate Rewards Points after $500 in Minimum Spend in 3 months.

Chase Freedom Visa & MasterCard

Link To Chase Freedom Visa

Link To Chase Freedom MasterCard

Similar to Chase Sapphire Preferred, and Chase Sapphire, the Chase Freedom comes in 2 “flavors”, Visa and MasterCard, which means you can get both bonuses.

The Chase Freedom is certainly better than the Chase Sapphire Card because of the 5x rotating quarterly categories, which can be found here.

Since the Chase Freedom earns Ultimate Rewards, if you also have a Chase Sapphire Preferred or Chase INK Bold, you can transfer your Chase Freedom UR Points into your Chase Sapphire Preferred or Chase INK Bold accounts!

So depending on the Quarter, you could potentially earn 5x UR Points on Travel, Restaurants, etc with the Chase Freedom and then just transfer those points to your INK or Sapphire Preferred Cards!

Also if you have a Chase Checking account and Chase Freedom, you can get an additional 10% bonus through Chase Exclusives. More information here.

Since the current Sign Up Bonus is only 10,000 UR Points for $500 in Minimum Spend in 3 months, I personally suggest downgrading to the Chase Freedom when you close your Chase Sapphire Preferred Card.

Business Cards That Earn Ultimate Rewards Points

Many frequent flyers don’t ever consider applying for Business Cards because they don’t have a traditional “business”. However by incorporating Business Cards into your Credit Card mix, you can essentially double your points haul.

So instead of 200,000 Miles & Points in a year, you could easily make that 400,000!

Most major Credit Cards have a Personal & Business version, and you can almost always apply for both.

So for example with Starwood, I previously had the SPG Personal AMEX, so I was not eligible for the last big promotion. However since Starwood has a SPG Business AMEX, I simply signed up for that one instead and got 30,000 Starpoints!

Even if you don’t have a traditional business, you can still sign up for Business Cards.

I did a whole step by step tutorial on that process here if you are interested.

You don’t even have to file any legal paperwork or different tax forms to get a Business Card, you can simply use your personal Social Security Number and say you are a Sole Proprietor. That is exactly what I did and it was extremely easy!

Any type of hobby in which you make money on the side (eBay, Etsy, blog, etc), or even a potential idea for a business, qualifies you for a Business Card.

That being said, Chase has some pretty awesome Business Cards that earn Ultimate Rewards Points!

Chase INK Bold

Link To Chase INK Bold

I am the current proud owner of a Chase INK Bold Card and let me just say it is awesome!

At one point in the last year, I had a Chase INK Bold, Chase Sapphire Preferred, and Chase Freedom, which were all earning me Ultimate Rewards Points.

The Chase INK Bold is essentially a Business Version of the Chase Sapphire Preferred, and earns 2x UR Points on Gas and Hotel purchases, however it is Charge Card.

Being a Charge Card, you have to pay it off in full every month.

Similar to the Chase Sapphire Preferred, there are no foreign transaction fees and you can transfer at a 1:1 ratio to Airlines and Hotels.

Even if you currently have a Chase Sapphire Preferred, you can get this or any other Business Card because all Banks consider Personal & Business Cards to be 2 separate things.

So it is entirely possible to sign up for the Chase Sapphire Preferred and Chase INK Bold on the same day and be approved for both.

The current Sign Up Bonus for the Chase INK Bold is 50,000 Ultimate Rewards Points after spending $5,000 in 3 months.

So if you wanted, you could apply for the Chase Sapphire Preferred and Chase INK Bold on the same day, and get 40,000 + 50,000 UR Points, and only have to spend $8,000 in 3 months!

90,000 UR Points you can transfer to United for a FREE economy ticket to Europe!

One other important thing is that the Chase INK Bold earns 5x Ultimate Rewards at Office Supplies stores like Office Depot, which if you have read Frequent Miler’s post about it, can be huge!

Chase INK Plus

Link To Chase INK Plus

The Chase INK Plus Card is identical to the Chase INK Bold except that it is a true Credit Card instead of Charge Card.

The 50,000 UR Point Sign Up Bonus and Card Features (like 1:1 transfer, etc) are identical to the Chase INK Bold.

Once my Chase INK Bold comes up for renewal, I will most likely cancel it and then apply for the Chase INK Plus to earn another easy 50,000 UR Points!

Chase INK Classic

Link To Chase INK Classic

The Chase INK Classic is basically the Business Version of the Chase Sapphire. Or in other words, it is a stripped down version of the Chase INK Bold or INK Plus.

While you still earn Ultimate Rewards at the rate of 2x on Gas & Hotels, and 5x at Office Supply stores, as well as 1x everywhere else, you do not have to ability to transfer those UR Points to Airline or Hotel Partners.

The Sign Up Bonus for the Chase INK Classic is 20,000 UR Points after you spend $3,000 in 3 months.

Unless you have already gotten a Chase INK Plus or Chase INK Bold, I’d recommend only downgrading to this Card for the 2x and 5x benefits!


Hopefully if you didn’t know about all these Chase Cards that earn Ultimate Rewards, you do now.

Given how many Cards there are that earn Ultimate Rewards (9 of them) and how valuable Ultimate Rewards Points are, at no time should you ever be without a Card that earns Ultimate Rewards!


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Chase Exclusives + Chase Freedom

Chase Exclusives

Although I keep a small notebook of ideas and topics to write about, I am always appreciative when Readers email me with questions or ask me to write about a particular topic.

This past week 2 people inquired about the Chase Exclusives Program and how that works with your Chase Freedom Card.

For those of you not familiar with Chase Exclusives, similar to Auto Insurance, essentially the more Chase products you “bundle”, the more special benefits you get.

This extends to Mortgages, Auto Loans, Investments, CDs, Credit Cards etc.

The only requirement for Chase Exclusives is that you have a Chase Checking Account and another qualifying Chase product.

More Information About Chase Exclusives Can Be Found At

Enrolling In Chase Exclusives

9/10 times if you have a Chase Checking Account and another qualifying Chase product, you are automatically enrolled in Chase Exclusives.

To check to see if your Chase Freedom is enrolled in Chase Exclusives, log into your account and open any of your previous Chase Freedom monthly statements. As seen below, a similar box should provide you with a break down of how many bonus points you have earned through Chase Exclusives.

In the event you have both a Chase Freedom and Chase Checking Account and you do not see the box below, simply call Chase and ask them to add your Chase Freedom to the Chase Exclusives program.

Chase Freedom + Chase Exclusives

Each Chase products differs in the benefits it receives as part of Chase Exclusives.

If you have both a Chase Checking Account and a Chase Freedom Card, instead of the normal 1 UR point (or 1% cashback) per $1 spent you would normally earn with the with Chase Freedom, when you add on the Chase Exclusives program, your Chase Freedom will now earn 1 UR per $1 spent + 10% bonus UR per $1 spent + 10 UR per a transaction.

When all is said and done, instead of 1 UR per $1 spent, with Chase Exclusives you earn almost 1.11 UR per $1 spent.

Chase Freedom or Chase Sapphire Preferred

The 2 Readers who emailed me about Chase Exclusives basically both had the same question. When should they use their Chase Freedom and when should they use their Chase Sapphire Preferred.

There are 3 specific occasions where I would strongly recommend using your Chase Freedom Card + Chase Exclusives over your Chase Sapphire Preferred (or any other Card that only earns 1% (or 1 mile per $1 spent):

  • Purchases Under $10

For purchase under $10, you want to use your Chase Freedom + Exclusives because you are getting a 10% bonus per $1 spent + 10 UR per a transaction.

Those 10 extra UR Points per a transaction are really the key here.

Regardless of the dollar amount of your purchase, with the Freedom + Exclusives, Chase is giving you the 10 UR per a transaction on top of the normal UR Points you earn.

So even if you bought a piece of candy for 25 cents, Chase would still give you all your regular points, a 10% bonus, and 10 UR points for the transaction, so you could get 12 UR points for a 25 cent transaction! This is not a bad deal since to normally earn those 12 UR Points on your Chase Freedom without Chase Exclusives, you would typically have to spend $12.

Now before anyone gets any ideas and thinks wow if I make 100 x .01 cent transactions, I can get 1,200 UR Points for $1, hold your horses!

In Chicago, the parking meters take credit cards and you could easily do something along these lines, however I DO NOT RECOMMEND IT because your Chase account will get flagged for suspicious activity.

Once that happens Chase will quickly figure out what you are doing and shut you down. In my opinion to earn a couple thousand extra UR Points is not worth the risk of getting banned from the #1 issuer of travel credit cards!

  • Purchases That DO NOT Fall Under Travel Or Dining

Since the Chase Sapphire Preferred earns 2x UR Points on Travel and Dining, if your purchase is over $10 and is related to Travel or Dining, then it makes more sense to use the Sapphire Preferred over the Chase Freedom + Exclusives because you will earn more points.

However if you are not making Travel or Dining purchases, then regardless of the amount, I’d recommend using the Chase Freedom + Exclusives. This is primarily because the Chase Sapphire Preferred only earns 1 – 1.07 UR Points (if you factor in the 7% annual dividend), whereas the Chase Freedom + Exclusives earns 1.10 UR Points + 10 UR Points per a transaction.

Below are 3 examples of normal restaurants purchases you might make in a day and how they stack up.

Example 1: $1.25 Bagel At Starbucks

Chase Freedom: $1.25 x 1 UR Point per $1 spent = 1 UR Point

Chase Freedom WITH Exclusives: $1.25 X 1 UR Point per $1 spent + 10% Bonus + 10 UR Points per a transaction = 1 UR Point + 1 UR Point + 10 UR Points = 12 UR Points

Chase Sapphire Preferred: $1.25 x 2 UR Points per $1 spent at Restaurants = 2 UR Points

Winner: Chase Freedom + Exclusives by 10 UR points.

Example 2: $10.25 For Lunch At Chipotle

Chase Freedom Card: $10.25 x 1 UR Point per $1 spent = 10 UR Points

Chase Freedom WITH Exclusives: $10.25 x 1 UR Point per $1 spent + 10% Bonus + 10 UR Points per transaction = 11 UR + 11 UR + 10 UR = 22 UR Points

Chase Sapphire Preferred:$10.25 x 2 UR Points At Restaurants = 20 UR Points

Winner: Chase Freedom With Chase Exclusives by 2 UR Points

Example 3: $25.35 for Dinner at PF Chang’s

Chase Freedom Card: $25.35 x 1 UR Point per $1 spent = 25 UR Points

Chase Freedom WITH Exclusives: $23.35 x 1 UR Point per $1 spent + 10% Bonus + 10 UR Points per transaction = 23 UR + 2 UR + 10 UR = 35 UR Points

Chase Sapphire Preferred:$23.35 x 2 UR Points At Restaurants = 46 UR Points

Winner: Chase Sapphire Preferred by 9 UR Points

  • Purchases That Fall Into Chase Freedom’s 5% Rotating Categories

Rotating 5% categories are the one thing that really makes the Chase Freedom the most attractive non-travel credit card out there.

Depending on the rotating category, you can rack up some serious UR Points with your Chase Freedom Card.

This past quarter (Q2 2012) was 5% back at Movie Theaters and Grocery Stores.

Starting in July 2012, you can get 5% back (or 5 UR Points per $1 spent) at Gas Stations and Restaurants.

Also remember if you have an Chase Sapphire Preferred Card, you can transfer any UR Points from your Freedom to your Sapphire Preferred account for free!

The 5% Cashback for the Chase Freedom + Exclusives works similar to the above examples, however you also get the additional 5% back!

So if in this last Quarter, I made a typical $100 Trader Joes Grocery Store purchase with my Chase Freedom Card + Exclusives, it would net me:

$100 x 5 UR points per $1 Spent + 10% Bonus per $1 spent + 10 UR Points per transaction = 500 UR + 10 UR = 10 UR = 520 UR Points

This is compared to only 100 UR points if I had used my Chase Freedom WITHOUT Exclusives or my Sapphire Preferred.

Due to how lucrative this 5% bonus is for the upcoming 3rd Quarter (July 2012 – September 2012), I know I certainly will be using my Chase Freedom Card + Exclusives as much as possible to rack up as many Gas and Restaurant purchases as I can!


Hopefully if you were not familiar with Chase Exclusives program, you now have a better understanding of what exactly it is and how you can maximize it with your Chase Freedom Card.

If you don’t have a Chase Freedom Card, I always recommend first trying to downgrade your Chase Sapphire Preferred Card to the Chase Freedom.

If that doesn’t work or if you can’t wait, then I’d highly recommend just going ahead and signing up for the Chase Freedom because:

  • There is NO ANNUAL FEE
  • You can earn Ultimate Rewards Points
  • The 5% Rotating Quarterly Categories can help you quickly rack up some serious Ultimate Rewards
  • Did I mention it DOES NOT have an annual fee? I’ve had my Chase Freedom for almost 5 years now, earned thousands of UR Points, and all for FREE!
  • Also there is a $100 (or 10,000 Ultimate Rewards) sign on bonus

Link To Chase Freedom Sign Up With $100 Sign On Bonus

If you have any topics you want covered, feel free to email me at