Chase Adds Benefits: Best Card for Groceries?
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- Опубликовано: 5 окт 2024
- The best grocery and supermarket credit cards from Chase and American Express for Summer 2020. [ Blog Post ] bit.ly/3b47zOT 💳 See Sebby's Card Picks: : www.asksebby.c... Click "Show More" to see Ad Disclosure
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Sounds like you spent a lot of time working on this. Thanks Sebby!
:)
Love all these updates with the constantly changing news from CC's, banks, and the Fed.
:)
I just got the Amex Gold so I'll be using that for groceries/restaraunts. I think the big news is that the CSR is getting 5x at Target and Walmart! Can't wait to try it out. Video was a little hard to follow Seb but I understand since there's so much info to put out.
FYI, you've got a shout out from Graham on his latest CC video... doesn't seem to have pushed your channel tho... :(
I use Blue Cash Preferred for groceries and streaming services year, I get 6% back year round and Chase Sapphire Reserve for everything else.
I'm probably losing on Ultimate Rewards points by not using Chase freedom but the rotating categories is not worth my time and effort. There is money earned in consistency.
I would prefer the 12x Hilton points because I checked my HHonors summary because I am at 209,000 off just purchasing rooms without that card so a Hilton card could be my workhorse to build for aspirational trips
Good choice, especially for aspirational trips! :)
Yup. I just got the Hilton Aspire and not regretting it at all.
Yup same here! Im 100k shy and I do a ton of grocery shopping so pretty awesome!
So smart! After I hit my cap on 5x from freedom on this quarter, I’ll be using the Hilton for grocery 👌🏽
Freedom for Groceries for me
Disney cash? Do the bills have Scrooge McDuck’s image?
EDP is a better MR grocery card than Amex Gold, IMO. Put some recurring bills on it to get to 30 swipes a month and you get 4.5x MR on groceries.
Levi Ramsey The big plus to the Gold is that the spend cap is 25k instead of 6k.
Chase used to be the weak link for grocery shopping (CF was the exception). Now, at least for a while, they are able to compete in that category with Amex.
This is only through The end of June. Both Amex and Citi are giving their grocery spend benefits through December. 👍🏾
If Chase would keep the grocery points, it would be the ONLY card I need in my wallet personally
Craig B I agree! If Chase kept this along with giving 5X for Target and Walmart purchases, I would consider canceling my Amex Gold!
Can verify CSR is giving 5x points for Walmart Supercenters. My go to card for groceries is Amex Gold and I try to go only to true grocery stores to get what I need to take advantage of the 4x. This 5X on CSR is amazing and I will be using it for as long as this lasts and maybe doing some stocking up on non-perishables and some miscellaneous Walmart purchases.
Thank you for the data point! :)
Sebby, thanks stating the obvious, that Chase's UR are transferable so better than 12x Hilton points. It took your vid to remind me of this. (I already have too many Hilton points). My intent here is to point out with CSR's 5x for grocery, this exceeds the 3x for restaurants, so I'm now going to stack up on restaurant gift cards. My local grocery store also has fuel perks, so I'll be stacking points and getting free gas in the end too (up to 30 gal each fill up). I'll buy enough cards to last till end of the year, 5x is fantastic. Keep up the good work, stay healthy. ......I missed the cap for CSR at $1500 per month. Tip to everyone, use gift cards to hit each cap. Buy a gift card now to Grocery X and use if the rest of the year.
CSP May/June, brilliant in July for min spend and Amex gold for rest of year as usual.... Target, Walmart and GC at markets is what makes this more interesting... and if you buy online with the shopping portals....🤯
Thanks for the video. Glad Sebby is not making IRS Stimulus videos everyday just to get more views and subs like I see some other RUclipsrs doing.
When in doubt, my Navy Fed duo- the More Rewards Amex and the Go Rewatds VISA. Groceries and gas/transit.
Same, and with no annual fees.
Seriously. Recently jumped with NFCU credit cards, and wow .. insane value w little to no annual fee
Navy fed?.. I’d assume you are active duty or affiliated, If active duty you don’t pay annual fees on a lot of the premium cards.
Baba Mustapha if your a disabled vet, you do.
Of the ones listed, I only have the Freedom and the SW Priority, so I'm sticking with the Freedom.
I believe Chase IHG Premier still offers 4x on everything else for those that got the card with the 125K sign on bonus.
I just tested this and it stacks on an extra 1X since grocery is normally 2X, then you get the bonus 2X. So you get 5X IHG points total for grocery right now if you have the bonus from the sign up still in effect.
@@waldofunk very good to know! Thanks for the tip!
I’ll continue to swipe everything on my CSR, if I can get 5X on groceries I’m set, I don’t need anything else lol
Does anyone know if chase counts Walmart grocery pickup in the grocery category?
My Amex Gold does count it as grocery, but planning on applying for the Freedom to get 5x.
So in this case the Chase Freedom beats the AmEx Gold for supermarkets for April-June.
If you hate annual fees and don't want to worry. I think the Amex blue card everyday is great.
Zero fee. 3% at the market and 2% on gas 1% everything else. All cash back.
I like cards like this because I never have to think about it. No worry on if I'm using it enough to be worth it.
Never think about how you are going to spend points. Just grab the cash back when it post and put it against your purchases then pay the card back off.
No amount of trying to squeeze a little more out of points is worth the time and hassle.
It will be different if you travel a lot though. For us home bodies it's just easy.
All the stuff on the point stores are way over priced anyway. I don't think you get the "deals" you think you do.
Now if they would only stop trying to "upgrade" me.
Approved
17 open personal cards
Double cash card already
Approved instantly
3 percent average utilization
Thanks Sebby! I’m using this opportunity to rack up as many UR points as possible ✅
TLDR; sapphire reserve has 5x on groceries one you max out your freedom...travel cards? Yeah prob not gonna go anywhere for the next 12-18 months....
I haven't started with the points game yet, so for now I think it makes sense to stick with my cash back setup so: BCP 6% on supermarkets and streaming + Amex offer of 5% on supermarkets so 11% back on supermarkets effective, Discover it with this quarter's 5% back on gas, BofA Cash Rewards with 3% back on online shopping as my chosen category, and Citi DoubleCash with 2% on everything else.
What is this Amex offer of 5% on supermarkets? BCP is still the usual 6% as far as I can see. These other offers are great for other people but I'm already paying for BCP so I might as well keep using it.
Can you explain 11% at supermarket? BCP gives 6%, what's that extra 5% ??????
Thanks a bunch Sebb I didn't know about the CSR 5X grocery. I'm already using the Freedom and I may top it off with grocery gift cards and start using my CSR. Then I'll probably switch over to my Bonvoy cards for July.
FYI 99 cents only store is considered 5% grocery for the CF.
Thanks for the data point! :)
@@AskSebby My pleasure and thank you for your informative videos!! 👍
I dunno about the others but Hilton is constantly cutting the value of their points. With the covid thing i fully expect them to do it again. They just arent worth it.
They don’t make it easy do they.
I’m going to start cutting back. Can’t keep track anymore with all these cards that make you jump through hoops to redeem.
I stay away from any cards that rotate. Not worth my time.
I have a spreadsheet on excel so I dont have to think about it.
You get out of this, what you put into it! Like in life, you have to work for it!!
Agreed. Shit is getting ridiculous. I just want one gdamn card that hits my needs.
@@craigb4449 For people who ask me for card recommendations but say they just want 1 card, I recommend the Chase Amazon Prime Visa Signature Card
5% on Amazon and Whole Foods (which is huge because Amazon)
2% Gas and Restaurants
1% Other
No FX Transaction Fees
Sleek Metal Card (most important)
No Annual Fee (requires a Prime Membership though, you can get it without Prime but then it's only 3% back on Amazon/WF, still pretty good though)
Is the value of 3x back on CSP better than 4x on Amex gold?
I have like $700 in grocery gift cards purchased last quarter from both my Discover cards. Already got my 5%.
There's also the 5x points year round from PenFed, though I'm not sure how they're valued
Sebby, Do you foresee any signup bonus increases for Chase Partner Cards sometime before the end of the year ? If not, I might as well go with IHG Card and Freedom for now and wait for the airline card bonuses to increase until next year.
Can you do a breakdown of the different peer to peer apps? Venmo, Zelle, and cashapp? There isn’t many good vids on this topic lately
You may not be able to transfer points. Best Western is still blocking us from redeeming our points out except to spend with them. They shut off the option beyond that. I called today and maybe in another week but the guy was rude and didn’t want to say.
Still thinking chase freedom 5x is best for grocery spend right now, followed by 12x Hilton aspire. Hilton points might not be worth tons but that is an incredible return rate.
Where is the announcement from Chase on CSR 5X grocery, can someone share the link or email?
I agree this made me suspicious. I first heard about it from TPG. But I can confirm (at least) the World of Hyatt (WOH) card gives you 3x back on groceries now.
Idk where it is but I just checked my account to see if this applied to my weekend grocery shopping and it did so for now it’s true!
- I got the email from Chase, it's true. Just met CF quarterly limit today, so used CSR for first time at grocery. It's only till 7/31.
Dan Dawson 6/30 actually
Freedom doesn't count instacart for Costco or Walmart as part of it's 5x bonus for this quarter. Any idea if the Reserve counts these purchases as 5x?
That's wrong. I recently did 3 transactions with instacart and all were categorized as groceries and got 5x points
CSR is treating Walmart as Grocery purchases and giving 5X UR points.
@@abhishekbahadursingh1389 can i buy them online ?
@@sarathbe did you use instacart for Costco and Walmart as I specified?
@@abhishekbahadursingh1389 good to know. Ty
When do these rewards become active? Went shopping today with my CFU. Wasn’t aware of any 5x points.
@asksebby have you seen the points to book to Bora Bora or Maldives lately? I just went on a Bora Bora trip in march and redeemed 90k a night for 5 nights. Now the cheapest redemption you will find is 153k a night at Bora Bora.
Do you think Amex is going to do anything for people to make the incidentals credit for airlines easier to use? It is looking like normal travel won't return until next year at the earliest.
Probably not that's why they rolled out the $20 credit for streaming and wireless bills. Up to $40 statement credit per month on my platinum which is nice
For me Amex Plat, Hilton Aspire and blue cash everyday.... seems ok.
still , there is no actually proof that Chase offer 5x on supermarket, this info may not come from Chase but TPG and CNBC
My Target transaction coded as Grocery and I received 5X UR points.
Thank you for the data point! :)
So much to unpack. Me, staying with my current setup .... Amex Gold for groceries. Simple.
You really started to sweat at the end. 😰
Waiting for my portable AC unit to come in 😅
Amex Gold has been gold during this pandemic. Also the Amex Blue Business Plus has been simple and great too.
Although somewhat aged... relevant with today's grocery spend.
Sebby this is a bit off topic but have you seen that items in the United Store such as the iMac that was about 306,000 points to buy about a month ago is now more than double that? It’s alarming wonder what it means for our points.
Hey Sebby, are you aware that AmEx is starting to claw back airline credits that were previously triggered by buying DL gift cards?
What is the best card for gas? The ducks unlimited doesn't do 5% anymore
Costco Visa still has 4% back on car gas up to $7k per year ($583 per month).
Abound CU platinum card 5% unlimited CB
I use costco for 4% and discover during warehouse and gas stations 5% cashback quarters.
@@jtown1bb what about no annual fee cards? Cause you gotta deduct that from the gas cash back if there is a fee
I've heard people buy visa gift cards with grocery store cards, AmEx or rotating cards then use those at gas stations. I wouldn't do that but if I did I'd keep the amounts low per transaction and always add a stick of gum or a drink so the charge isn't super obviously a gift card
May and June: World of Hyatt
July: Prob Delta Blue
I'm trying to get a free night(s) with Hyatt for trip next year, plus points to use on that trip. Will top off on Delta Skymiles after that in July. I have a lot of MR points so the AMEX Gold can ride the bench. Sorry CF and CSR, I'll catch you guys later this year.
I just got the Hilton Aspire using Sebby's link, so I am working on Min Spend for that! So for me its Hilton Aspire Amex for Grocery at 12x back, and CSP for Target spend at 3x. Bummer that Costco does not take Discover! I would have most of my spend covered w Bonus categories! But as it is I am missing out on Discover's 5% back on Gas & Club store spend. Thanks Sebby.
Thank you for your support! :)
Costco accepts Discover on online purchases. I use my Discover card to purchase their club gift cards to get the 5% that way.
Do you like the citi premier?
I have the Amex Platinum and the CSP for now ( going to downgrade to Freedom Unlimited). I'm interested in getting a hotel card next for some free nights. Which one should I get thought about the World of Hyatt was just sad I couldn't turn my CSP into the Hyatt card. I travel alot but usually stay at friends and family places, Hostels or Airbnb. Interested in starting to stay in more hotels. I don't need anything fancy when I am paying with my own money. Thanks
Can we get 3x on chase sapphire for buying gift cards at grocery stores?
Thanks as always!
:)
Amex gold (clear grocery card) vs all of these limited offers. Which is better? Nowhere near my $25,000 limit.
My question is if American Express is its own company why does Wells Fargo have American Express on there card and some cards ? Are they partners or ?
Target did NOT trigger 5x on CSR, anyone else get something different?
I haven't really seen any cards mentioned that are good for groceries abroad. Aside from the rotating 5% grocery category, I'm guessing a travel card would be the next best thing for this situation?
Rotating cards would have a 3% FTF so you would only net 2%. Definitely an interesting edge case if we see remote work (especially abroad) continue aggressively.
What's fcp? Fnp...you don't talk down to us but watching a lot of your videos... I don't know the real benefits to cards...you talk like I know what some stuff is sometimes. I appreciate it. I am not dumb but...well...
What does priority pass include....what is it
Companion pass?
TSA check? From your talk it sounds like a basic but I have no clue
I have the CSP and wanting to upgrade to the CSR. I already had the CSP for more than a year but due to COVID-19 I’m not sure what my next step is since I can’t get a hold of customer service. Do I just apply for the CSR on the chase website and the upgrade will automatically kick in? Please help
I have the CSR and Freedom.....so can I do $1500 on the Freedom and another $1500 on the CSR and get 5x back on each....so 15,000 points total?
Yes, exactly.
$1500 PER MONTH on CSR and $1500 per quarter on CF
Eric Lancaster where do you see the Chase announcement about the CSR 5X on grocery
I've been looking for these data points. Where did you get it? Not showing on CSP benefits for me.
I do all my grocery shopping at Walmart and Walmart is NEVER categorized as "grocery". :(
Have you tried this month? I tried Target (super Target) and it coded as Grocery for me.
Yvonne D. Eeeew. Walmart 🤮
Can I pay off a personal loan with a card to get the bonus? Even if I have to use something like plastiq
Wait, so what are you prioritizing?
His priorities
Thank you!
No I didn't get 5x with the freedom at Walmart 🙄
You need to go to a neighborhood Wal-Mart grocery store. Not the superstore or regular Wal-Mart store.
Can you do a video on the downgrade paths. For me I was considering downgrading from CSR but as I understand it this will devalue my existing point balance depending on what I downgrade to. Is that correct?
Right, only CSP will keep your UR points. Unless you have Ink business cards also
Search through his videos, it's there.
Do you have the promo code for Schwab for the video you posted few days earlier?
Nope, Schwab restricts the number of referrals.
I have the freedom sign up 150 and no annual fee. I only have 1 card only and I use it like a debit card and pay on it weekly.
I have an unrelated question. If i bank with chase will they see my account balance and monthly deposits to consider towards acceptance on a credit card application?
nick kallas they start you off based on your credit and payment history. I remember they never asked me if i banked with Chase when I opened my freedom cc.
I wonder can you buy a gift card at a supermarket and still get multipliers on that purchase? Also does this red flag for Amex and get you blacklisted.
You'll be fine if it's not a cash equivalent. Gift cards to other stores or services are fine.
Awesome thanks for the reply! Just bought a new house and in the market for a new fridge. Might as well get some extra points to use on the honeymoon next year.
ask shabi?
What do you think about the new IHG Premier offer?
Thoughts here: ruclips.net/video/r5so9-5iuv0/видео.html
Ask Sebby This one just came out yesterday. They are waiving the annual fee and offering a $150 statement credit albeit less points
I am really regretting getting my amex gold, because I could have gotten similar benefits on groceries with my chase freedom. I feel like with Amex it is much harder to justify their annual fee.
Minju Lee likewise... I feel like I’m chasing Amex offers to justify the annual fee... that and buying $10 of sushi on Seamless SEPARATE from the rest of my order to do the least harm to my local business... no clue how I’m going to use the airline credit... any ideas? @asksebby
I have both Amex Gold and CF, I still find the Gold waay more useful than CF year round. 4x on Grocery and Restaurants for an AF $30 ($250-120-100 grubhub/airline credit). Easily earned over 24K MR each year for me grocery alone LoL
@@josemaciel3582 I wouldn't recommend Amex Gold IF you are single and don't cook or go out frequently. For Grubhub, I think you can find a meal from any fast food for under $10. With the airline credit, it's hard to use unless you actually travel (airline-baggage fee, cabin snacks)
@@gtrr3246 Well, if you don't have AMEXGOLD you would save $250 year and use it any where you want to. You are not required to spend it on Grubhub, which is by the way over priced and you can choose to keep $100 airline credit as cash instead of using it as an airline credit- they are even clawing back some credits right now. I bet you know which choice is more reasonable.
Best best best case scenario you are still loosing $30 per year with AMEX gold.
But I think Plat and Green is much more reasonable depending on your useage
any one has a referral link for the Amex Blue Business plus? they intro bonus and im trying to get it, thanks in advance!
Click "View All Cards with a Referral Offer" to find the BBP: www.asksebby.com/amexplatbiz
@@AskSebby I was just on the website, I guess i didnt look hard enough. Thanks alot I appreciate all your work and everything you do!
@@AskSebby Thank you Sebby! the link worked and got approved for my first business card! thank so much for all the information!
.CHASE has just this week destroyed any chance of me dealing with THEM again !! IMO Chase has been the worst !!!
Does CSP INCLUDE COSTCO?
No
Your voice is pretty much normal.
Data Point Alert: Grocery sending increase is true for the WOH card from Chase. IT shows up as 'additional spending bonus' (2x) just above the Everyday spending bonus (1x). Grand total = 3x for Grocery spending.
Thanks for the data point! :)
Thanks for doing the math for us Seb.
Question: is the 5 24 rule in reference to credit cards only or all hard inquiries? Considering opening up a Chase card.
Credit cards only.
Ask Sebby Really? Thanks, I think I actually qualify despite my home and auto loan (auto loan closed, thank goodness).
Bonvoy ✌🏾
Got work to do, cant drink hibiki yet =(
Only a few more hours 🥃
What do you recommend for a first Amex card? I remember you saying it in a video long ago but I can’t remember which one it was.
Kriselle G Will depend on what you want to use it for. Groceries? Dining out? Etc
The Amex Platinum: www.asksebby.com/blog/my-first-amex-which-charge-card-or-credit-card-should-you-get
Im LATE BUT LETS GOOOOOOOOOOOOOOOOO 🤙🤙🤙🤙🤙
🤙
what does this have to do with groceries?
i don't travel.
"you might only be willing to pay 20,000 for a lambo" yeah, and i'm only willing to pay 0 to rent a hotel room in a place i'm never going to go.
1st =p
Almost!
#squad
🔥🔥🔥
First Viewer!
🥇
Be water my friend, be water.
Very helpful info, thank you!
Unfortunately my Costco groceries were not counted in the GROCERIES category. Instacart does but the service is pretty bad. Hoping the my pending Amazon Fresh is counted.