Chase Freedom 4th Quarter 2014 – 5x Points at Amazon & Department Stores

You can now activate your Chase Freedom credit cards to earn 5 Ultimate Rewards points per dollar spent in the following categories:

  • Select department stores
    • JCPenney
    • Kohl’s
    • Macy’s
    • Nordstrom
    • Sears

You can see the list of all participating department stores here.

The 4th quarter bonus will run from October 1 – December 31, 2014.

Ways to Leverage This Bonus

I plan on leveraging this the easiest way I know how – buying something from Kohl’s to flip/sell. KitchenAid mixers are always a big hit, but we’ll see what surfaces for the holiday season.

If all else fails, I’ll buy some gift cards since I know I’ll be shopping there throughout the year.

Follow me on Twitter to find out what I’ll be flipping for profit & points next!


After 3+ Years, Amazon Payments Will Come to an End

Big news hit the manufactured spend circles this week. After more than 3 years of very easy manufactured spend, Amazon Payments will be ending its person to person payment options on October 13, 2014.

You can find the new terms on Amazon’s help page here.

As of October 13, 2014 Amazon WebPay will no longer be available to send, receive, or request money from other Amazon Payments users. Amazon Payments customers will no longer see the option to Send Money once they log into their account.

While it’s sad news, I think this deal lived a long life. Looking back on my sheet that I used to keep track of payments among a circle of 6 friends, we had a great 3 years. Plenty of miles & points were manufactured.

Here’s to Amazon Payments and here’s to hoping for the next manufactured spend opportunity to poke its head out!

Credit Karma Now Provides Full Credit Report For Free

I use Credit Karma for loosely monitoring my TransUnion-based credit score. It’s a free service and it will update your score once a week when you log in.

Recently, they have added your full credit report to the list of features.

This is a great value add since, normally, you would only be able to run your free credit report once a year with each credit bureau via

I found my report to be 100% accurate, even with the current balances per account to date.

This new feature will also keep track of your hard credit inquiries and when they fall off (2 years). Keep in mind, this will only be your inquiries based on TransUnion.

Credit Karma

Credit Karma

Being aware of your credit is very important, in both the miles & points game and in general. This new feature will allow you to check your credit on a weekly basis, which is very helpful when timing your next round of credit card applications!

Hat tip to ack154 on reddit.

My Biggest Mile Manufacturer – TD Go

During a time where Joann & I have more miles & points than we do vacation days, I’m looking for easier ways to manufacture these points instead of ways to just amass a stockpile of them. Notice my emphasis is on easy. 

I’m not a fan of driving to Walmart to load my American Express Bluebird 2-3 times a month.

I don’t enjoy driving to multiple CVS stores to find $500 gift cards (and then driving to Walmart to load them to Bluebird).

Buying $200 gift cards from Staple with my Chase Ink is pretty easy, but then I’m stuck with several small denomination gift cards to liquidate.

Enter TD Go.

This is a prepaid product that is intended for parents to issue their “teens” debit cards with certain limits.

The main advantages are that this debit card can be funded by a credit card online and TD is very lax on what they consider a “teen.”

The main disadvantage is that this card is ONLY offered in the following states:


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Hyatt Updates Mobile App

I just downloaded an app update for the Hyatt mobile app for Android. I believe the iPhone update for the app has been out for a few week now.

From what I’ve noticed, it’s a very useful update. Prior to this update, the app was only great for checking out current reservations. It sometimes wouldn’t remember your login so you would have to log in every time you opened the app. Searching for, let alone booking, reservations (paid only) was a pain and easier done on an actual web browser.

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