How To Maximize Chase Freedom® 5x Points With Mobile Payments

What I am looking for are places I can use mobile payment for big payments so I can just get it over with. E.g. Can you make a big prepayment on phone or cable?

Thanks for this tip! Just to make sure I'm understanding - if I use apple pay anywhere, even, say, a grocery store, drug store, or in a taxi cab, with my Chase freedom, I'll get 5x?

Done drug store retailers, like Rite Aid accept Apple Pay, so depending on your prescription insurance situation and general spending habits at drug stores, that could be a +3.5x incremental bonus for many to help max out this quarter's category.

Ben,

Can I link my wife's Chase Freedom to my Apple pay ?

@PJ....I linked my Freedom to my wife's Apple Pay and used it at Sprouts. Got the 5x so works just fine....

I do drive, so gas at 5x is useful. Right now I'm using Apple Pay at Best Buy to stock up on gas gift cards. Through 1/6 Best Buy is also offering a $10 Best Buy gift card for every $100 in gas gift card purchases. So I'm getting some valuable Best Buy gift cards in the process as well.

I got 2x UR when they were promoting +1 point on the Sapphire cards. I used that at Microcenter when we needed to purchase a router.

Now I have been thinking about building a new computer in the coming months, chances are I would max it out when I go there and get some of my part! 🙂

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Plus, also save some for your mobile/cable bills per T&C. The utility category is not usually bonuses either.

Worth noting that the Target iPhone app takes Apple Pay. And of course Walmart takes Chase Pay, which is also allowed.

There is also Apple Pay on the web at some sites, including some places like clothing stores that wouldn’t otherwise be bonused spend, but it requires using Safari, not Chrome, so make sure you are using the right browser to see all opportunities. And some retailers like Bonobos also support Apple Pay in their iPhone app but not on their site.

https://www.android.com/pay/where-to-use/

Amazon is always the white whale for me points-wise. So I use Android Pay to buy gift cards at Walgreens. Easy peasy.

And of course purchases of Apple products themselves, which would not normally be subject to much of a bonus, can be bought using Apple Pay in the Apple Store iOS app, or on Apple.com if using Safari.

Has anyone else noticed the bonus spend progress bar on the Chase rewards site doesn't appear to be updating to reflect Apple/Chase pay?

I've only made three payments with apple pay this quarter and I seem to be getting credit for 5x spend based on my math but the status bar still says $0. None of the three are pending transactions.

Probably just a simple tracking error or a lag in recognition, but last quarter the bar seemed to update daily. Maybe there's an off-chance the site doesn't cap the 5x reward after you've maxed it out if they can't track it correctly?

Walmart takes Chase Pay, so anything you'd buy from Amazon at 1.5x, you can just buy from Walmart for 5x. Walmart prices are pretty comparable to Amazon.

@Nat: "Amazon is always the white whale for me points-wise. So I use Android Pay to buy gift cards at Walgreens. Easy peasy."

That's fine if you're buying supplies (toothpaste, coffee, etc) from Amazon. If you buy anything durable that you want extended warranty protection for, then you're best off using a credit card to purchase it directly (on Amazon or elsewhere).

@snic - a good point for others, but I'm buying diapers and baby food. The least durable goods imaginable.

I bought $3000 worth of bitcoin with 2 freedom cards on stockpile using apple pay.

Samsung Pay FTW here. It can be used virtually anywhere with its MST tech mimicking real credit card swipes. It will make maximizing this bonus a lot easier than the restricted ability of Apple and Android Pay.

Agreed, Samsung Pay is great and easy to use, drag up the bottom of the phone screen, put in 4 digit pin, tap and go. Accepted pretty much everywhere.
Chase pay just spits out a QR code after the usual lengthy password input. I have not found Chase pay nearly as widely accepted or as easy to use.

And don't forget about ebags, which if you time the double dip with a high-multiplier portal bonus, you could make out with a ~20-30% return easily.

Bgriff I'm confused by your comment re:Apple Pay at Target via the app. I know my Redcard is loaded to be scanned in the app, but as of this point, my Target doesn't take Apple Pay. Am I missing something?

When you say Walmart takes Chase pay, are you referring only to online? What about the Walmart neighborhood stores (which would be easy for me)?

I am using Samsung Pay. I received 2000 Ultimate Rewards points for making 5 quick small purchases at a Target and now will use it at Costco, where we will get to $1500 quite easily.

1. Best Buy accepts ChasePay, AndroidPay, et al., and ...

2. My daughter's refrigerator just died.

That'll take care of about $1,000 of spending right there 😀 Paying the cell phone and Internet bills, plus filling my gas tank (two-hour commute every day) and grocery shopping (with ChasePay, AndroidPay et al) should take care of the rest.

Here is my question. Can I double dip? Next quarter grocery stores are 5 % bonus as is payments with quick pay. If I use quick pay at a grocery store, will I get 5 or 10% bonus? Thanks.

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