I'm looking at the Chase Freedom website and they state the 5% is only from 7/1-9/31. Is the end of the year bonus only for existing card holders?
Reading the website some more, it looks like you have to activate the card every quarter. I'm guessing that after 9/31 you then activate it for Q4?
Also, how do the points transfer to Sapphire? Does the cash back accrue and then you can transfer the balance to Sapphire points?
Reading the website some more, it looks like you have to activate the card every quarter. I'm guessing that after 9/31 you then activate it for Q4?
Also, how do the points transfer to Sapphire? Does the cash back accrue and then you can transfer the balance to Sapphire points?