Rumor Confirmed: Chase Eliminating Freedom Exclusives Program.

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Post update #4: Just as a reminder, today is the final day to get a Freedom card and qualify for Chase exclusives.  People are still having success confirming their enrollment in the Exclusives program by sending a secure message.

If you are not instantly approved for a Freedom card then you should call reconsideration right after applying at 888-270-2127 to get it approved.

Remember you generally only get 1 credit pull no matter how many different cards you apply for from the same bank on the same day.

————————————————————————————-

Post update #3: It may or may not be too late to join this party.
DDF member chff had success on his brand new Freedom account confirming that existing Freedom cardholders will still be linked for Exclusives within 1-3 months.
Read the comments starting from here along with my suggestions to someone else who had less luck with a secure message and later reports from several commenters who have opened both a Freedom card and a checking account and received positive responses as well.

So for now it seems you can still get in before the door gets shut for good on Sunday.
————————————————————————————-
Post update #2: My own Chase business banker has confirmed to me in writing that the Freedom Exclusives program is indeed ending and is being grandfathered for existing customers.  The last day to have a Freedom card and a Chase checking account is 11/10.  Chase has been very good with grandfathered programs, I still have Ink Bold with Exclusives from last year though that card is permanently discontinued for new customers (though some people have reported success enrolling in that program even after last year’s November deadline).  And people still are earning United elite qualifying miles on the discontinued Continental Presidential Plus card.

If you want to have the best no-annual fee credit card on the market right now then grab the Freedom card and open a checking account with Chase ASAP before the Exclusives program goes away forever.

The original rumor I heard and reported back on 10/22 was that Chase might keep the Exclusives program for Freedom in some form but downgrade it, but at this point that remains unconfirmed.

Freedom with Exclusives makes any purchase under $90 more valuable to be put on Freedom than to be put on a great card like Starwood. Small purchases, like parking meters or a small pump of gas, become downright lucrative with Exclusives. And it makes almost all purchases more valuable on Freedom than they are on Sapphire Preferred, except for purchases made abroad and for 2.14 Sapphire point categories when they are not a 5 point category with Freedom.

If you do get a Freedom card and/or a checking account now I would recommend that you send a secure message from Chase.com to ask about the Exclusives program and if the linkage can be expedited. They’ll respond with details of the program and will say that they can’t expedite it, but you will have in writing that the link will happen within a couple months and you will be grandfathered.
————————————————————————————-

Post update, 10/30: While my previous source for this rumor requested anonymity, DDF user ahecht37 reports that his Chase private banker has informed him that these changes are true and will go into effect for cards opened on or after 11/11. Cards opened before then will be grandfathered.
Again, I have not independently confirmed this rumor nor can I confirm the 11/11 date, but all indications are that this rumor is unfortunately true and will be happening in November.
————————————————————————————-
This was originally posted on 10/22:

-Chase Freedom Mastercard-Earn $100 cash back (in the form of 10,000 Ultimate Rewards points) when you spend $500 in 3 months.
-Chase Freedom Visa-Earn $100 cash back (in the form of 10,000 Ultimate Rewards points) when you spend $500 in 3 months.

The Chase Freedom card with Exclusives is just too darn valuable. I never understood why it’s so much better than the premium Sapphire Preferred card in many aspects (besides for travel/dining purchases, spending in foreign countries, the ability to transfer all Chase points into miles, and that the Sapphire Preferred is one sweet looking metal card).

The regular Freedom card is already quite valuable with no annual fee and 1 point per dollar or 5 points for rotating categories.
When you have a checking account your card gets upgraded within a couple months of getting the card to Exclusives (you can also send a secure message to expedite the process) where you also get 10 points every time you use your card and 10% bonus points on all spending.

Those points can be transferred to airlines/hotels if you or your spouse has a Sapphire Preferred, Ink Bold, or Ink Plus making them about twice as valuable as cash back.  Having one of those premium cards along with Freedom and checking is what I coined the “Chase Trifecta.”

In other words if you pay a 5 cent library fine with the card you get back 11 miles which are worth 4 times the fine you just paid!
Or if you pay 25 cents for parking at a muni-meter your parking is significantly discounted due to the 10 points you get every time you swipe your card.

I received a tip from a source that I believe to be reliable that sometime in November the program will be grandfathered for existing customers and downgraded for new customers.

Last November Chase eliminated the Ink Bold Exclusives program completely. It used to offer 1.2-1.675 miles per dollar on all purchases.
I posted back then from a contact of mine that the program was ending and that people that applied before the deadline would be grandfathered and that’s exactly what happened. People that got the card by the deadline in November are still grandfathered into that program but you can’t get that card anymore.

The rumor that I’m hearing is that Chase will be eliminating the 10 points per transaction bonus. Additionally they will no longer give the 10% Exclusives bonus monthly, instead it will just post in February for the previous year, similar to how the 7% Sapphire Preferred bonus works.

Again, this is all just a rumor I am passing along to you.  I am not passing this along as a confirmed fact, but better to be informed than be surprised, no?

If you don’t yet have Freedom with Exclusives you better hurry up if you don’t want to miss the greatest no fee credit card that’s ever existed!  If you have a Freedom card but don’t yet have a Chase checking account you should signup for one soon if you want to be grandfathered!  There are coupons you can buy on eBay to get up to $200 cash for opening a Chase checking account.

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165 Comments on "Rumor Confirmed: Chase Eliminating Freedom Exclusives Program."

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gaby

do you get all those extra points on all your Chase cards just by having one checking account?

Dan

@gaby:
Yes.

Cbs

Just in time. Got my chase freedom and called chase to link my checking account to it and now within 1-3 billing cycles I should be getting my 10 bonus points per transaction. Including previous transactions

Brett

Thanks for the heads up. I just got my freedom card in the mail today. I also opened a chase checking account to maximize the trifecta, is there anyway to keep the account free of any charges without getting paid with direct deposit? You previously suggested a Paypal transfer to mimic a direct deposit, would that work?

yosele

first, thanks for taking my note of paying at the muni meter with the Freedom to the main site….

secondly, this means no more churning?

reuvenhunt

Thankfully, I have been earning Chase Exclusives Bonuses for nearly a year now – and let me tell all you fence sitters, it has made my Chase Freedom card the most lucrative points earner.

Steve

If I get a Freedom card now, will it also still be grandfathered in or will they still be able to downgrade me? (I have a checking account)

abie

1)what is better to open the visa or mastercard?
2)if i open a student account with chase could it be linked to the card or only reg acc. ?
thanks!

TG

Dan,
When do you think the grandfather cutoff will be, from time of application of card or at the time of account linking(which is a couple of months later?)

Ann

by the end of the day which card is better sapphire or freedom?

Sara

Could someone please explain what it means to be “grandfathered”? Does that mean that you get to keep the original benefits even if they are no longer offered to new applicants?

BTW,Dan, you need to note that the 10,000 points for $500 spend is only when you open a new card.

AsherO

This is bad news, your rumors tend to hold up…

josh

Is it possible to open a chase checking account if we do not have a chase bank in the area?

Jersey

How do I link my Chase Freedom to my checking account? And Exclusives?

Lb

I have a checking account. If I open the freedom before the end of the month will I be grandfathered in?

Lb

Also are they going to change the quarterly bonus? My hubby has the freedom already so the exclusives I can get using an AU so I would only get the cards at this time to get the bonus double

Dan

@Ann:
The combination of the 2 is great.

@Sara:
Yes.

@josh:
Try opening one on chase.com?

@Jersey:
Send them a secure message from your chase.com account.

@Lb:
Hopefully, but there’s no way to know for sure as this isn’t even confirmed as of yet.

@Lb:
Quarterly 5% will stay. And having a 2nd card to bump it up from $1,500 to $3,000 per quarter is great.

bb

does this mean the end of sapphire churning? like if i cancel sapphire and reapply a few months after, will i lose my “grandfatherness”

Dan

@bb:
Huh? This has nothing at all to do with Sapphire.
This is being grandfathered for Freedom+Checking.

bb

@Dan:
oh i thought it affects the trifecta

Dan

@bb:
Sapphire or Ink Bold/Plus completes the trifecta by allowing you to transfer Freedom points to miles, but you can still churn Sapphire without affecting your Freedom Exclusives grandfathered status.

bob

how do i find these $200 bonus offers on ebay?

Dean

I sent them a msg last wk and was told that Exclusives are automatic and you don’t need register or enroll.

RT

I have Saphire Preferred under my name. Is it better to apply for Freedom under my name or my husbands?

Dan

@bob:
Click on the link in the post.

@Dean:
You can ask if they can expedite it.
You can also ask for them to post the points that you would have received had they been able to link it on the spot.

@RT:
No difference but if you both get it you’ll get 5% for $3,000 instead of $1,500 per quarter.

Avraham

For chase freedom to use 200 coupon it must be a regular account. You can call after 2 months and asked to be switched to a college student account.

Expedite

@Dan:
I sent an SM to Chase to expedite, and they told me it would happen automatically in 1-3 billing cycles. I sent another SM if they could nonetheless expedite, and they responded, “NO”.

eric

Don’t buy the coupon on Ebay. I have two, one for 200 and one for 350. Just email me joemill5yr@gmail.com and I’ll send you the code. I would post here but don’t have them on me

Matt

Has anyone figured out a way to get around Chase not letting you open an account online because your zip code doesn’t qualify?

Tyler

Dan — I got a Chase United Explorer card in August, but just last week finished an app-o-rama that netted me six new cards. I don’t have a Freedom card yet (was going to be on my next app-o-rama in January), but because I have a Chase checking account, want to lock down this Freedom offer in case it goes away. Do you know if I can downgrade my United card to Freedom without Chase taking my United sign-up bonus away? Thanks!

Dan

@Tyler:
I don’t think you can change United to Freedom.

Tyler

Bummer — thanks for the info!

Fred

Does anyone have 200 bonus offer code they aren’t using. Thanks

alce

In October 2011 I opened the Ink Bold and Sapphire preferred visa and am now getting the annual fees. Do you think I should apply again before I cancel as I need one of them at least for the Freedom card with Exclusives.
Thanks

Dan

@alce:
Apply for the Sapphire MC and Ink Plus and have them close the old to approve the new.

Sara

@Dan:
Re your comment about paying a 5 cent library fine. The library won’t accept a credit card for less than $1.
But it’s great for the munimeter. You can also go to the post office and buy one or two stamps and pay with you Freedom card.
And often when I fill up gas with my AMEX, I’ll also buy $1 worth of gas on the Freedom card.

Dan

@Sara:
Your library may not accept it, but mine accepts it online for fines of any size.
It’s worth keeping all your books a day late :D

PointsCashMiles

I just hope the grandfathered in part is right – I’d be losing out on 2 – 3000 points per month.

Jerry

Everyone needs to be aware of what the real offer is here. You get 5pts per $1 spent on rotating categories whether you have checking or not. The 10pt deal with checking IS NOT 10pts per $1 spent but 10 additional points per transaction. Therefore if you spend $100 you get 110 pts not 1000. Yes, you can play the ‘spend $1 at a time’ but it wont take long to realize its a real hassle for limited game and Chase will catch on, eventually.

Charles

For those of us that can not open a checking account online because our zip code does not qualify — then we need to physically enter a Chase personal bank and set up an account. I will be in a different city and state next month that has a Chase Bank and will set up an account there. I called that branch today and they said that
would be alright.

dave

hi dan, isnt it better when the freedom card does it annually since then you can trasfer your sappire points to freedom and get 10% bonous instaed of 7%?

Leon

Hi Dan, I’ve been waiting for a better sign up bonus ($200 or 300 instead of the current $100) for Chase Freedom. Do you think it’s worthy waiting considering the rumor or should I apply now? Thanks

Tana

Thanks for this info! My husband has a Freedom and we use the trifecta liberally for small purchases and the rotating categories. I was already planning on turning my old Slate card into a Freedom since we can easily max out 1 Freedom. I already have 5 Chase cards and have had the Slate since 1992 so did not want to cancel it. Just called yesterday when I read your post – and since the Slate was a Mastercard I now have a Freedom Visa and Mastercard. Yeah! Hopefully this one will be grandfathered in too.

Sam

I used my $200 offer, but if anyone wants a $125 one, let me know – I posted it on the forum under Deals.

alce

Earlier you told me to apply again for the sapphire mc and ink plus. Two questions:
1)can I do a 3 or 4 BM and if yes what other ones should I get. I have the explorer and hyatt already.
2) If they ask why I want the same ones again what do I say.
Thanks, as always, for your help.

EJB

Dan,
Any idea if the freedom card has to be opened before then or it needs to be enrolled in the program before then? I have a freedom card but have been repeatedly told I’ll automatically be enrolled in 1-3 months in the program, and this cannot be expedited.

montey

Dan, I was told the same thing by my Chase banker.

DealsSeeker

Just used your links for 2 chase freedom cards, plus a few others. Thanks for the heads up!

Sara

I have a Freedom card which I use. My husband had one but never used it. A cfew days ago he canceled it and now tried your link to apply for a new Freedom card so he can get the bonus.
we get the message that this offer is no longer available.
Please advise!

Dan

@DealsSeeker:
Thanks!

@Sara:
Try using another browser or browsing incognito.

Sara

Thanks, it did work in another browser. Why does this happen?

Me

How can I check if I am currently in “Exclusives”? Will it say it anywhere in my account or bill?

esther12

DAN, i currently have sapphire preffered visa only with chase. if i do 3BM which 3 cards do you suggest at this time to get the maximum signup bonus points?

Dan

@Me:
If you are getting 10%+10 points listed on your bill every month then you’re in.
If not send them a secure message.

@esther12:
Depends on your needs, but Sapphire Mastercard, Freedom, and Hyatt are all great choices.
http://www.dansdeals.com/go/SapphireWMC/
http://www.dansdeals.com/go/Hyatt/

esther12

How about chase united card for 30k bonus points, do they still give 20k additional and $25 statement credit if you send a secure message?

Dan

@esther12:
I haven’t seen any recent reports on matching to that.

NJMACMAN

Dan, I signed up last week using a $200 coupon online, then went to a local branch to add the exclusives. They are now telling me that I only get the money if I setup a direct deposit into the checking account. Is that true? They only said I needed minimum of $1500 in checking njot to get a monthly fee. Thanks.

Dan

@NJMACMAN:
What does the coupon say?

SJC

Dan-

My husband and I both have a Chase Sapphire and my husband has a Chase Freedom. We do not have a Chase checking account. I am not sure how to link the two and also if it is worthwhile to get a checking? Will that increase the number of points we get each month? Thanks so much for this fantastic site!

jack

@dave: you only get 7% on points on what is earned from the saphire card itself, not from all points that you get from other cards and then add them to saphire account.

DannyF

Hi Dan-

After speaking with Chase to open a checking account, they told me that I could not open one because there are no local Chase Bank branches where I live (MD). Any ideas of how to open one? Can I use someone else’s address?

Thanks!

Jason

I don’t have either of these Chase products, but I want to get them. If I apply for the Freedom card today & open the checking account online this week. Will I be Grandfathered in? 11/11 is only like 12 days away. I don’t know if I’ll receive the cards in the mail by then to activate them. So all I do is get those 2 things, or do I need to call to enroll in the exclusives program?

What should I do? or did I miss the boat?

Dan

@DannyF The only way is to walk into a bank. I was doing a MR to Milwaukee and there was one close to the airport. Walked in and set up an account in about 10 mins. Now I just have to make sure my exclusives is added.

KLM

This was the only reason I opened a Chase checkings account… For all you Active Military and Veterans, listen up: Open a checkings account as military and it will be fee free for the life of the account. Then tie it to your freedom, and you will essentially have a free booster to your Freedom. I pay no fees for the checkings, I only have the minimum opening balance in there and I get the 10/10 bonus. BOOM

NJMACMAN

@NJMACMAN:
It says I have to make a direct deposit. But I emailed my banker at the local branch today and he said he would see what he can do.

TravelGuide37

Here is my situation. I have a chase checking account and a chase freedom account. Just heard about the exclusives program and send a message to Chase and should be enrolled in a few days, so no prob there.

The thing is the Freedom card I have has $3k locked @ 3.5% on a balance transfer offer a while ago, which I am in no hurry to pay down and any new spend will be charged 19%.

My question is if I get another Freedom card, after 11/11 will the points charged on my new card still register on my account with the grandfathered checking/freedom combo or will it be only on the new card account at the lowered rate?

Baseless speculation appreciated, thanks.

SEAN

Dan,

I am currently looking for a business card. Do you reccomend the Chase Sapphire or Chase INK (Or something else?)?

Anonymous

@TravelGuide37: if I understand correctly, you shouldn’t need a new account. all payments should go FIRST to cover HIGHEST APR (new purchases) before the Lower APR (old) balance

Chuckles

@NJMACMAN: it’s easy to make a direct deposit yourself. how? just do a ACH transfer from your checking account with another bank! that worked for most people; i got a coupon that didn’t require DD, so even though i did an ACH to fund the account, i wouldn’t know if that qualifies or not, but the word on the street is that it totally does and folks got their bonuses. good luck!

NJMACMAN

@Chuckles: You mean to transfer money into the Chase checking account from say BOFA or Wells fargo one time?

Chuckles

@NJMACMAN: yes, that is correct. give it a try & let us know. there’s nothing risked. :)

danfan

GUYS IN APPRECIATION FOR ALL THAT DAN DOES TRY TO REMEMBER TO USE LINKS FROM THIS SITE WHEN ACTUALLY APPLYING FOR A CARD!!

dave

just got approved for the freedom using the above link,Did I make it in on time or do I have to activate the card first?

AVI12

HI DAN!
IF ON THE APPLICATION DOESNT SAY ABOUT THE 10 POINTS IF BEING A CHASE COSTUMER DOES IT MEAN ITS FINISHED?

Dan

@AVI12:
It never said anything about the 10 points.
That happens after you get the card.
For now the program is still alive.

AI18

Does anyone have any coupons for opening new Chase checking account?

Charles

Just went to a different city & state yesterday and opened 2 checking accounts for my wife and myself. I used 2 $200 coupons from eBay (without direct deposit) which I paid a total of $30. So, a net profit of $370 for opening 2 checking accounts. Not bad.
The Chase banker that helped us set up the checking accounts was great. I asked him about the 10 on 10 Exclusives and he said he did hear that it was changing soon but did not know any specifics. I also asked him about the Ink Plus card changing the minimum spend and he said he did think that it was changing but he did not know any specifics on that topic either. I guess we will wait and see what happens by November 13th.

Avi

I just applied for the freedom card tonight and got approved- I already have a checking account. Am I to late?

Dan

@Avi:
You should be good.
It does take a couple months for the accounts to link but as soon as the car shows up on Chase.com you should ask for the Exclusives link to be expedited.

They’ll say they can’t expedite it, but then you will have in writing that it will happen within a couple months and you will be grandfathered.

reuvenhunt

I need to start from scratch. I can open a Chase checking account today and submit an application for a Freedom card now. The credit card wouldn’t get approved until several days from now. The Chase exclusives wouldn’t kick in for another three months. How are you so sure that they would “grandfather” me in to a program that is already dead by the time I qualify for it.

Dan

@reuvenhunt:
If you don’t get instant approval you can call reconsideration tomorrow to push through or negotiate closing other cards or shifting credit lines to get approved on the spot.

A checking account can be opened online on the spot.

When you get in writing (within 4 hours of sending a secure message) that your account will be linked for Exclusives you can use that as proof to be grandfathered if it doesn’t happen automatically.

reuvenhunt

I wonder if its really that important if my significant other has a Freedom Card with exclusives on it already. Mine would really only be useful for the 5% bonus category spending which is capped at $1500 per quarter anyway.

Dan

@reuvenhunt:
$1,500 per quarter earns over 30K points in a year with 10/10 Exclusives on purchases you probably max out anyway.

I.E. When there’s a gas or grocery category I’ll max out our 2 cards in gift cards for the year. For airlines I’ll buy airline gift cards for the year, etc.

Neil35

My new Freedom card arrived today. After activating the card I sent a Secure Message to Chase asking the card be linked to my existing Chase checking account. The reply was very disappointing…

“Thank you for contacting Chase.

I regret that, the Chase Exclusive rewards program has now been discontinued, hence we are unable to link your credit card and checking account.”

Is there anything I can do at this point?

Dan

@Neil35:
Wow, that’s terrible news!

I would write back, ask for a supervisor to respond to the message, and tell them your banker said it can be linked until 11/10.

Keep us posted please…

reuvenhunt

so much for that idea

Dan

@reuvenhunt:
Send them a secure message before applying for the Freedom card and ask if you open a Freedom card if you will be able to have it linked for Exclusives.
When you have things in writing Chase and AMEX are both very good about honoring it.

Neil35

Dan,
Thanks for the idea. I’ve sent Chase another message. Waiting for the reply from Chase.

happy9z

“Post update #2: My own Chase business banker has confirmed to me in writing that the Freedom Exclusives program is indeed ending and is being grandfathered for existing customers.”

How long will existing customers be grandfathered? In other words, how long will existing customers still participate in Exclusive Program?

Dan

@happy9z:
In the past Chase has not ended grandfathered programs.

happy9z

Thank you so much for your fast response! Do you mind if you tell me what programs that Chase still grandfather?

Smile

Dan my card did not arrive yet it is showing up in my Chase account online and im going to open a chase checcking tommorrow any advice how to proceed in getting it right in the nick of time? Thank you so much

cheryl

Could you give me a list of ways to spend the $5000 on my AMEX card in less than a month.

mat

if i signed up a week ago and still didnt receive the card yet is there anything i can do to get the card to come faster?
or to be make sure im enroled in exclusives without receiving the card yet? and do i have to activate the card before the 10th to be enroled or just having it is enough?

Dan

@happy9z:
Ink Bold Exclusives and Presidential Plus for example.

@Smile:
Maybe open a checking account online now and SM them once it’s opened?
Good luck!

@cheryl:
Please search and post on the forums.

@mat:
Is it showing up on your Chase.com account yet?

happy9z

Thank you so much!

mat

no

Smile

if i open now online i wont be able to say banker said will be linked, can i open it online even with this coupon with direct checking?

Dan

@mat:
Are you approved yet?
Did you call Recon?

@Smile:
You can enter a coupon code online to open a checking account.

mat

i dont know i didnt call recon yet

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