markkundinger said:Noob question about the dynamic rewards... if a transaction falls outside ANY of the transactions in the QS, does that means that it's only a 1% transaction (for instance, electronics, insurance, or full service restaurants).??

yes, that is correct.....If it's not one of the 15 catagories, it gets 1%....

bear in mind you can only get 3 out of the 15 each month...it's whichever 3 you spent the most with that would qualify.....So, for example if you made purchases at: department stores, groceries, fast food, movie theatres, drug stores, a particular month, but dept stores/movies/groceries is the ones you spent the most with, those would be your 3% catagories for the month....

Arby's qualifies for quick services restaurants.
Marco's pizza does not qualify.

Justins123 said:Is there a place online to apply for the Visa Signature version of the Chase Freedom card? Can you only apply for it by calling?

Calling. . you can convert to it though(I believe)

Keep in mind there are two options, converting to the Signature version, or the Cash Dynamic Rewards program. The latter allows you to keep your same card, card #, and still reports a CL to the CRA's. This is the route I took(via secure messaging), as it seemed easier to me. I guess "Signature" sounds cool, though.

California Pizza did not categorize under Quick Service Restaurant last two times i went there

One addition:

Cable/satellite TV/Internet Service Providers
Qualifies:
Dish Network

Looks like in princiapl you could have two cards and by good planning get 3% benefits from six categories, although it may not be worth the trouble to keep track of which to use where, especially since the cards would look very similar in you wallet.

One way to minimize complexity might be one card for things you paid from the office (bills for utilities, phone, telecommunications, possibly online merchants). This would not be carried on you, but would be in your system for easily copying to a form, or for the automatic authorizations for a bill to be charged to your credit card.

There would be another for your wallet (probably for fast food, gasoline, groceries, unless you have another card with a better rebate for some of these).

This way you would not have two Chase cards in your wallet.

Of course, if married one might be from your spouse.

Having two cards also gives you annual limits instead of one. Keeping one card for office on line payments reduces the problem of running up against a limit, and then not getting a benefit from payments on a card, or having to go to the trouble of changing the card which your bills are charged to.

Verizon residential phone bill qualifies as recurring utility bill (same code as gas/electric!)

E-ZPass NY qualifies as transportation.

talbots.com and victoriassecret.com online purchases do not qualify as dept store purchases.

istvan said:All right, sorry again but I would like to know why are people changing from the Cash rewards to the dynamic rewards? I have the Mastercard Freedom so should I do that?

Thanks

more catagories you can earn 3% on....15 in all...but you only get the 3% on the 3 catagories you spent the most on, for any particular month....

istvan said:So this is for the Visa Freedom or the Mastercard Freedom? So the Cash Rewards gets less rewards?

answer to first question: Yes, answer to second question....dynamic rewards does not get a higher percentage on the rewards catagories....it gets more catagories you can get the 3% on.....

But as i previously mentioned (and have many others) only 3 of those 15 catagories that you spend the most on, each month, will get the 3% total bonus points....Of course, all other purchases will get 1% extra as usual....