October is a fun month, it’s usually the very first month in Las Vegas where it actually starts to get chilly outside. While most people think of the changing leaves and Halloween, I get excited because it’s the start of quarter 4. That means we’ve got new categories on the Chase Freedom and Discover IT NHL cards!
Cards In my Wallet
- Chase Sapphire Reserve
- Chase Freedom
- Blue Cash Preferred
- Discover IT
- World of Hyatt
- Chase Pay / Samsung Pay: Chase Freedom (5%)
- Everything Else: Chase Sapphire Reserve
I know this may sound a little simplified of a strategy, but let me explain. Samsung Pay allows you to pay just about anywhere that lets you swipe a credit card; you’re not confined to looking for the contactless logo. Because of this ability, Chase Pay has partnered with Samsung Pay. Now, because Chase Pay is a category for the Chase Freedom, that means just about any in store purchase will get the 5%! For any other transaction, I just use the Chase Sapphire Reserve
The next card I’m looking to apply for is the IHG credit card. Unlike my other applications, I actually don’t have a set schedule for when I’m planning to apply. The problem is I’m waiting to close on a house, so when that happens, I will run out and apply for this card, but until then, I’ll just have to sit around and wait.
The IHG card has an $89 annual fee and comes with a few key benefits. The first benefit is available right away, and that is the top tier status that can be used to match to different hotel loyalty programs. The second benefit that makes it a long term keeper card is the anniversary night every single year thereafter.
I could not be happier with the way Q4 is shaping up to be for my setup. I loved using Samsung Pay in the first place, but now I’ll actually get rewarded for doing so, and at 5% no less. Because of the value of Chase’s points, it only makes sense to use the card for anything and everything. However, not all merchants accept contactless payments (such as a place where you have to physically give a cashier your card). In a case like that, I’d rather just throw the purchase on a Chase Sapphire Reserve.
What do you think about the categories for both the Chase Freedom and Discover IT cards this quarter? Let us know down in the comment section below.