dynamic rewards are same with both types of cards...signature has certain perks (read about them on the Visa website) and although you have an actual credit line, you can spend beyond it (no preset spending limit)...apparently, that is why the credit line is not reported to the bureaus....But, i should think by now that most persons reviewing your credit report realize that it must be a signature card when it says: N/A in the credit line box....

I have 2 signature cards, 1 of which i have had over two years, and never have any problem getting credit, and still wonder why people "freak out" about signature cards not reporting the credit line

Overstock(.com) not counted as a department store. Not sure if this is a surprise or not. QS updated.

FYI I just got my Freedom card--lousy limit--but they upgraded my account to dynamic rewards with no hassle. Sent an online message, two hours later, got this back:

Thank you for your request to change your Chase Freedom
Rewards program to the Chase Freedom Dynamics Cash
Rewards.

We have processed your request. Please understand that
your rewards will convert with your next statement.

You may wish to contact us at the number below to discuss
this further. We are available to assist you 24 hours a
day, seven days a week.

Thank you,

Chad E Roberts

1-800-436-7927

Account is owned by Chase Bank USA, N.A. and may be
serviced by its affiliates.

Not signature, but I don't really care about that. Unlimited--in name only--CL doesn't really appeal to me that much. I just wanted the dynamic rewards, and I got them. No need to have any CL as a minimum, and I haven't spent a cent on the card yet.

mihai124 said:Please add this to the list under Pet Stores & Vet Offices:

Animal Care Center in West Bountiful, UT qualifies. Sorry it is local and not useful to many people.Add it yourself, the 2nd post is a wiki...

anyone noticed that riteaid and longs drug are not considered as Grocery stores?

I am certain I am not the first person to come up with this brilliant idea, but I did not see anything seraching for prepay, so I thought I'd post it.

Any reason not to prepay bills like cable and phone that are earning 3% rewards? Has anybody tried to pay $1000 to earn $30.00 and have the utility or whatever refund the credit balance? I just prepaid my phone bill (its only at the 1% rate because I am on the Freedom card), and while it took about 5 times of clicking I was sure I wanted to pay an amount different from my bill, it eventually let me do it. I only rounded the bill to $100, but can't see why it wouldn't work for any amount that was much larger, after all, Chase has no idea what our utility bills are.

Heck, if the phone company won't give me a hassle to get a credit back, I could envision charging $40,000. It'll be my way of recovering the 3% balance transfer fee, cept my recovery won't have a cap.

craig10x said:David...it wouldn't work, because any time you have a credit purchase reversed (even partially), Chase would deduct the rewards points you earned on it....even it is on some future date....All these credit card rewards programs work that way, whether Chase, Citi, AMEX, whoever...I was not talking about having a "credit" reversed but asking verizon to mail me a check for the balance. But, I suppose, they would not be too likely to do that.

I think prepaying would be useful if you have 4 "everday" categories of spending, but only three slots per card to spend it with. For instance, you could alternate paying your phone bill double big one month, and your cable bill double big the next month.

markkundinger said:I think prepaying would be useful if you have 4 "everday" categories of spending, but only three slots per card to spend it with. For instance, you could alternate paying your phone bill double big one month, and your cable bill double big the next month.

Of course, you'd have to calculate what the real gain (if any) would be considering that the money could have been sitting in your bank account earning 5% or more instead of being a liability in your utility's books.

hey guys, how do you tell what category each purchase qualifies for??