Chase new 1% cash back offer from 1st March 2024

Zopa_Trooper

sterycop said:

I haven’t bothered for a while with Chase as they have so many exclusions and I find it easier / more productive/ profitable to spend with a cashback credit card, anyway

I'll say it again, I've not been excluded from any purchases, not a single one. I've no idea what you guys are trying to smuggle through the system.

northwalesd

I've been excluded from one, that I thought should give cashback - that was a purchase in a cafe, which I think is excludef (for some reason) because it's run by Natural Resources Wales. I did enquire and Chase just told me it was excluded.

friolento

Zopa_Trooper said:

sterycop said:

I haven’t bothered for a while with Chase as they have so many exclusions and I find it easier / more productive/ profitable to spend with a cashback credit card, anyway

I'll say it again, I've not been excluded from any purchases, not a single one. I've no idea what you guys are trying to smuggle through the system.

It's great that you managed to get cashback for all your transactions but I reject your below-the-belt suggestion that I would try to smuggle something through the system. Chase didn't pay cashback for quite a few of my transactions, such as a roof repair and a car service. Some smart aleck will claim that it's my fault for not checking the merchant code or similar but life is too short for working out the Chase exclusions before making a payment. For me it is much easier and more profitable overall to just use a cashback credit card.

Zopa_Trooper

friolento said:

Zopa_Trooper said:

sterycop said:

I haven’t bothered for a while with Chase as they have so many exclusions and I find it easier / more productive/ profitable to spend with a cashback credit card, anyway

I'll say it again, I've not been excluded from any purchases, not a single one. I've no idea what you guys are trying to smuggle through the system.

It's great that you managed to get cashback for all your transactions but I reject your below-the-belt suggestion that I would try to smuggle something through the system. Chase didn't pay cashback for quite a few of my transactions, such as a roof repair and a car service. Some smart aleck will claim that it's my fault for not checking the merchant code or similar but life is too short for working out the Chase exclusions before making a payment. For me it is much easier and more profitable overall to just use a cashback credit card.

Roof repair and car service are both "manual Labour", so are not a purchase as such, you're not buying a product. I wouldn't dream of trying to smuggle those through.

pochisoldi

crumpet_man said:

In my experience, there has only been a couple of instances where Chase didn't pay cashback on a transaction but a reward credit card did.

Car tax, council tax, and water charges are two examples I've had where Chase didn't work, but the credit card did.
There's a number of other transactions where "0.5% on the credit card is better than nothing from Chase" where I used the credit card - for example where a "commercial" service is provided by a local council, and there's potential for the council to be using an incorrect MCC.

Stargunner

friolento said:

Zopa_Trooper said:

sterycop said:

I haven’t bothered for a while with Chase as they have so many exclusions and I find it easier / more productive/ profitable to spend with a cashback credit card, anyway

I'll say it again, I've not been excluded from any purchases, not a single one. I've no idea what you guys are trying to smuggle through the system.

It's great that you managed to get cashback for all your transactions but I reject your below-the-belt suggestion that I would try to smuggle something through the system. Chase didn't pay cashback for quite a few of my transactions, such as a roof repair and a car service. Some smart aleck will claim that it's my fault for not checking the merchant code or similar but life is too short for working out the Chase exclusions before making a payment. For me it is much easier and more profitable overall to just use a cashback credit card.

I prefer to use 0% credit cards, as they are much more profitable than cashback cards.

friolento

Zopa_Trooper said:

friolento said:

Zopa_Trooper said:

sterycop said:

I haven’t bothered for a while with Chase as they have so many exclusions and I find it easier / more productive/ profitable to spend with a cashback credit card, anyway

I'll say it again, I've not been excluded from any purchases, not a single one. I've no idea what you guys are trying to smuggle through the system.

It's great that you managed to get cashback for all your transactions but I reject your below-the-belt suggestion that I would try to smuggle something through the system. Chase didn't pay cashback for quite a few of my transactions, such as a roof repair and a car service. Some smart aleck will claim that it's my fault for not checking the merchant code or similar but life is too short for working out the Chase exclusions before making a payment. For me it is much easier and more profitable overall to just use a cashback credit card.

Roof repair and car service are both "manual Labour", so are not a purchase as such, you're not buying a product. I wouldn't dream of trying to smuggle those through.

There is nothing in the Terms that says you only get cashback for a product. 

Zerforax

It says you can't transfer between your Chase accounts. Could I move £1500 into my Chase and then that £1500 into my wife's Chase account and it still count?

Although I also need to transfer £2,000 to Lloyds to avoid the account fee so ideally would do:

Lloyds --> my Chase --> wife Chase.

Can always put Lloyds in the middle if I need to but it's a bit of extra faff if I can avoid it.

alanwsg

Zopa_Trooper said:

Roof repair and car service are both "manual Labour", so are not a purchase as such, you're not buying a product. 

I definitely got cashback on my last car service.

TheWoodler

The exclusions are not as arbitrary as they may appear, and are quite reasonable. The rubbish bin and Natural Resources Wales café fall under Government services - it’s quite likely that NRW the café doesn’t have a formal trading arm or the arrangements they have made as the merchant are coded to Government services.

In the same vein, individual service providers may make arrangements that end up being classified as professional services. 

I’ve been caught out once, when I bought the book of the exhibition at a private gallery. Art gallery and antique purchases are excluded - ie retail of works. As I bought direct from the gallery, the fact that it was an exhibition catalogue didn’t prevent it from being coded as if it were an artwork, which was obviously incorrect.  For the cost of the book (£15) and cashback, it wasn’t worth raising this. 

However, it *does* work at public galleries and museums, and as that’s where I spend a lot of my free time, that’s great. Probably because they’ve got formal trading arms that code the spend accordingly and not to Government services.

I’ve been satisfied with the card using it abroad, for travel and hotels at home and abroad, for services such as my hairdresser, local cafés etc. and supermarket and discretionary spending. 

It’s been a good cashback scheme that meets my patterns of spending. It might not meet everyone’s needs, but for me it’s been appropriate and worthwhile.