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<style scoped>.tdi_17,.tdi_17 .tdc-columns{min-height:0}.tdi_17,.tdi_17 .tdc-columns{display:block}.tdi_17 .tdc-columns{width:100%}.tdi_17:before,.tdi_17:after{display:table}@media (max-width:767px){.tdi_17,.tdi_17 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_17 .tdc-columns{width:100%}.tdi_17:before,.tdi_17:after{display:none}@media (min-width:768px){.tdi_17{margin-left:-0px;margin-right:-0px}.tdi_17 .tdc-row-video-background-error,.tdi_17>.vc_column,.tdi_17>.tdc-columns>.vc_column{padding-left:0px;padding-right:0px}}}@media (max-width:767px){.tdi_17{padding-top:5px!important;padding-bottom:5px!important;position:relative}}</style>
<div class="tdi_16_rand_style td-element-style" ><style>@media (max-width:767px){.tdi_16_rand_style{background-color:#00456e!important}}</style></div><div class="vc_column tdi_19  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_19{vertical-align:baseline}.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:block}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:100%;height:100%}}@media (max-width:767px){.tdi_19{width:10%!important;text-align:left!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_menu tdi_20 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_20" >
<style>@media (max-width:767px){.tdi_20{margin-left:-20px!important}}</style>
<style>.tdi_20{display:inline-block}.tdi_20 .tdb-mobile-menu-button i{font-size:27px;width:54px;height:54px;line-height:54px}.tdi_20 .tdb-mobile-menu-button svg{width:27px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:54px;height:54px}.tdi_20 .tdb-mobile-menu-button{color:#ffffff}.tdi_20 .tdb-mobile-menu-button svg,.tdi_20 .tdb-mobile-menu-button svg *{fill:#ffffff}.tdi_20 .tdb-mobile-menu-button:hover{color:#ededed}.tdi_20 .tdb-mobile-menu-button:hover svg,.tdi_20 .tdb-mobile-menu-button:hover svg *{fill:#ededed}@media (max-width:767px){.tdi_20 .tdb-mobile-menu-button i{font-size:25px;width:50px;height:50px;line-height:50px}.tdi_20 .tdb-mobile-menu-button svg{width:25px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:50px;height:50px}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_22{vertical-align:baseline}.tdi_22>.wpb_wrapper,.tdi_22>.wpb_wrapper>.tdc-elements{display:block}.tdi_22>.wpb_wrapper>.tdc-elements{width:100%}.tdi_22>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_22>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_22{width:80%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_23 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_23" >
<style>.tdi_23 .tdb-logo-a,.tdi_23 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_23 .tdb-logo-svg-wrap{display:block}.tdi_23 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_23 .tdb-logo-img-wrap{display:block}.tdi_23 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_23 .tdb-logo-text-title{display:block;color:#ffffff;font-size:40px!important;letter-spacing:-2px!important;}.tdi_23 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_23 .tdb-logo-icon{top:0px;display:block}.tdi_23 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:1019px) and (max-width:1140px){.tdi_23 .tdb-logo-text-title{font-size:33px!important;}}@media (min-width:768px) and (max-width:1018px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;letter-spacing:-3px!important;}}@media (max-width:767px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_25{width:10%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_26 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_26" >
<style>.tdi_26{display:inline-block}.tdi_26 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_26 .tdb-header-search-button-mob svg{width:22px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_26 .tdb-header-search-button-mob{color:#ffffff}.tdi_26 .tdb-header-search-button-mob svg,.tdi_26 .tdb-header-search-button-mob svg *{fill:#ffffff}.tdi_26 .tdb-header-search-button-mob:hover{color:#f2f2f2}@media (max-width:767px){.tdi_26 .tdb-header-search-button-mob i{font-size:20px;width:50px;height:50px;line-height:50px}.tdi_26 .tdb-header-search-button-mob svg{width:20px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:50px;height:50px;display:flex;justify-content:center}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                    </div>

                
                    <div class="td-header-desktop-wrap ">
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<style scoped>.tdi_28{min-height:0}.td-header-desktop-wrap{position:relative}</style><div id="tdi_29" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_30  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:none}.tdi_30{padding-top:5px!important;padding-bottom:5px!important;position:relative}.tdi_30 .td_block_wrap{text-align:left}</style>
<div class="tdi_29_rand_style td-element-style" ><style>.tdi_29_rand_style{background-color:#005689!important}</style></div><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_32{vertical-align:baseline}.tdi_32>.wpb_wrapper,.tdi_32>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_32>.wpb_wrapper>.tdc-elements{width:100%}.tdi_32>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_32>.wpb_wrapper{width:100%;height:100%}.tdi_32{width:30%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_33 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_33" >
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_33{display:inline-block}.tdi_33 .tdb-head-date-txt{color:#ffffff;font-size:15px!important;font-weight:600!important}@media (min-width:1019px) and (max-width:1140px){.tdi_33 .tdb-head-date-txt{font-size:14px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_33 .tdb-head-date-txt{font-size:11px!important}}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Monday, September 21, 2026</div></div></div> <!-- ./block --></div></div><div class="vc_column tdi_35  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_35{vertical-align:baseline}.tdi_35>.wpb_wrapper,.tdi_35>.wpb_wrapper>.tdc-elements{display:block}.tdi_35>.wpb_wrapper>.tdc-elements{width:100%}.tdi_35>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_35>.wpb_wrapper{width:auto;height:auto}.tdi_35{width:40%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_36 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_36" >
<style>.tdi_36 .tdb-logo-a,.tdi_36 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_36 .tdb-logo-svg-wrap{display:block}.tdi_36 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_36 .tdb-logo-img-wrap{display:block}.tdi_36 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_36 .tdb-logo-text-title{display:block;color:#ffffff;font-size:43px!important;letter-spacing:-2px!important;}.tdi_36 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_36 .tdb-logo-icon{top:0px;display:block}.tdi_36 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:768px) and (max-width:1018px){.tdi_36 .tdb-logo-text-title{font-size:30px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_38  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_38{vertical-align:baseline}.tdi_38>.wpb_wrapper,.tdi_38>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-end}.tdi_38>.wpb_wrapper>.tdc-elements{width:100%}.tdi_38>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_38>.wpb_wrapper{width:100%;height:100%}.tdi_38{width:30%!important}@media(min-width:1141px){.tdi_38{display:inline-block!important}}</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_39 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_39" >
<style>.tdi_39{margin-right:10px!important;margin-bottom:10px!important;padding-top:-!important}</style>
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
<style>.tdi_40 .tdm-social-item i{font-size:13px;vertical-align:middle;line-height:19.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:10.4px}.tdi_40 .tdm-social-item{width:19.5px;height:19.5px;margin:5px 10px 5px 0}.tdi_40 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_40 .tdm-social-item i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_40 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_40 .tdm-social-text{display:none;margin-left:2px;margin-right:18px;color:#ffffff;font-family:Merriweather Sans!important;font-size:12px!important}.tdi_40 .tdm-social-item-wrap:hover .tdm-social-text{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_40 .tdm-social-item i{font-size:11px;vertical-align:middle;line-height:16.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:8.8px}.tdi_40 .tdm-social-item{width:16.5px;height:16.5px}.tdi_40 .tdm-social-text{font-size:11px!important}}</style><div class="tdm-social-wrapper tds-social1 tdi_40"><div class="tdm-social-item-wrap"><a href="#"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div><div class="td_block_wrap tdb_header_search tdi_41 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_41" >
<style>.tdi_41{justify-content:flex-end!important;text-align:right!important}</style>
<style>.tdb_module_header{width:100%;padding-bottom:0}.tdb_module_header .td-module-container{display:flex;flex-direction:column;position:relative}.tdb_module_header .td-module-container:before{content:'';position:absolute;bottom:0;left:0;width:100%;height:1px}.tdb_module_header .td-image-wrap{display:block;position:relative;padding-bottom:70%}.tdb_module_header .td-image-container{position:relative;width:100%;flex:0 0 auto}.tdb_module_header .td-module-thumb{margin-bottom:0}.tdb_module_header .td-module-meta-info{width:100%;margin-bottom:0;padding:7px 0 0 0;z-index:1;border:0 solid #eaeaea;min-height:0}.tdb_module_header .entry-title{margin:0;font-size:13px;font-weight:500;line-height:18px}.tdb_module_header .td-post-author-name,.tdb_module_header .td-post-date,.tdb_module_header .td-module-comments{vertical-align:text-top}.tdb_module_header .td-post-author-name,.tdb_module_header .td-post-date{top:3px}.tdb_module_header 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aria-label="Buscar"><span>Buscar</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Buscar" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_42" class="tdc-row stretch_row_1400 td-stretch-content"><div class="vc_row tdi_43  wpb_row td-pb-row tdc-element-style" >
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<p>El <span data-capi-name="7573">Chase Freedom Flex®</span> Tradicionalmente se inclina mucho en las compras navideñas con sus categorías de rebaja del cuarto trimestre. Este año, sin requisa, los viajes están ocupando el centro del atmósfera.</p>
<p>Desde el 1 de octubre hasta el 31 de diciembre de 2025, la Freedom Flex le dará un reembolso adicional del 4 por ciento de hasta $ 1,500 en gastos trimestrales en Chase Travel<sup>Sm</sup> reservas y compras en grandes almacenes y Old Navy (en persona y en crencha). Se requiere activación y el consumición más allá del periferia de $ 1,500 apetencia un reembolso en efectivo del 1 por ciento. En diciembre, las compras de PayPal incluso serán elegibles para las recompensas elevadas.</p>
<p>En la mayoría de estas categorías, esto significa que los titulares de tarjetas ganarán un total de 5 por ciento de reembolso en efectivo (hasta el entrada de $ 1,500 con activación). Esto se debe a que el Freedom Flex otorga un reembolso en serie del 1 por ciento en efectivo, más la promoción del 4 por ciento en el consumición selecto que cambia cada tres meses. Pero las compras de viajes de Chase ya ganan un 5 por ciento de regreso con la Freedom Flex, por lo que el 4 por ciento adicional suma un enorme 9 por ciento de regreso durante el cuarto trimestre.</p>
<p>Es muy probable que sea más de lo que podría ingresar con cualquiera de las mejores tarjetas de crédito de alucinación.</p>
<h2 id="value" data-position="1" data-beam-element-viewed="" data-id="br-h2-1-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Chase Travel purchases represent the most Q4 value" data-outcome="">Las compras de viajes de Chase representan el valencia más Q4</h2>
<p>Esta beneficio de recompensas aumentadas podría ser un incentivo suficiente para que use Chase Travel en el cuarto trimestre. Solo lo he usado una vez ayer. Tiendo a rehuir las reservas de terceros, prefiriendo hacer reservas de alucinación directamente con aerolíneas y hoteles. Está más aerodinámico de esa guisa, y las reservas de terceros generalmente no ganan recompensas de hoteles o ventajas de status de élite (aunque las aerolíneas a veces otorgan millas de volante frecuentes cuando los clientes reservan intermediarios como Chase Travel, Expedia, Travelocity, etc.).</p>
<p>Es un negocio inteligente para Chase alentar a más titulares de tarjetas a usar su portal de viajes, que ya es una de las agencias de viajes en crencha más grandes. Pero desde la perspectiva de los titulares de tarjetas Freedom Flex como yo, Chase Travel es una inclusión de auge o caída en el calendario del cuarto trimestre. Delirar es una categoría de consumición espacioso pero episódica, a diferencia de Gas, Comperies y Amazon.com, que aparecieron en el calendario de rebaja de Freedom Flex a principios de año. Mi tribu hace ese tipo de compras cada semana.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/las-mejores-tarjetas-de-devolucion-de-efectivo-con-ofertas-de-0-de-introduccion-apr" target="_self" rel="dofollow" class="u8a62abfacbeacc1834e4a2611b1c2f75"><!-- INLINE RELATED POSTS 1/3 //--><style> .u8a62abfacbeacc1834e4a2611b1c2f75 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u8a62abfacbeacc1834e4a2611b1c2f75:active, .u8a62abfacbeacc1834e4a2611b1c2f75:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u8a62abfacbeacc1834e4a2611b1c2f75 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u8a62abfacbeacc1834e4a2611b1c2f75 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u8a62abfacbeacc1834e4a2611b1c2f75 .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u8a62abfacbeacc1834e4a2611b1c2f75:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">Las mejores tarjetas de devolución de efectivo con ofertas de 0% de introducción APR</span></div></a></div><p>Reservar viajes de reposo en el cuarto trimestre es suficiente tarde, por lo que para beneficiarse al mayor esta promoción, la mayoría de los clientes probablemente serán más adecuados para considerar las reservas para el primer trimestre de 2026 y más allá. En mi caso, debería pensar en la primavera y el verano de 2026, ya que ya tengo vuelos y alojamientos establecidos para mis próximos dos viajes familiares (en diciembre de 2025 y enero de 2026).</p>
<h2 id="other" data-position="2" data-beam-element-viewed="" data-id="br-h2-2-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Slim pickings aside from Chase Travel?" data-outcome="">¿Peluciones delgadas parágrafo de Chase Travel?</h2>
<p>Intentar maximizar esta promoción fuera de Chase Travel podría ser un desafío para mí y mi tribu. Durante los últimos abriles, PayPal ha sido la cuarto central de nuestra táctica de Freedom Flex de Q4. Desde el inicio de la polímero en 2020 a 2024, las compras de PayPal ganaron un reembolso del 5 por ciento en todo el cuarto trimestre. Solo obtener un mes de recompensas elevadas de PayPal este año es una pérdida significativa desde mi perspectiva. Y si solo pudiera nominar uno de los meses Q4 para obtener estas recompensas elevadas, diciembre sería mi última selección, desafortunadamente.</p>
<h3>Las compras navideñas comienzan mucho ayer del Black Friday</h3>
<p>Como mucha masa, tiendo a comenzar mis compras navideñas mucho ayer. En torno a de la porción de los compradores de reposo planean comenzar a realizar sus compras ayer del 31 de octubre, según la investigación de compras de reposo tempranas de Bankrate en 2025. Más de un tercer plan para comenzar en noviembre y solo el 14 por ciento esperará hasta diciembre.</p>
<p>Esas estadísticas representan cuando las personas planean comenzar, en ocupación de terminar, sus compras navideñas. Pero a medida que la temporada se arrastra anteriormente, destacada por los principales eventos minoristas como Target Circle Week y Prime Big Big Days, que están programados para principios de octubre, muchos, si no la mayoría, los dólares de compras navideñas se gastan ayer del 1 de diciembre. El fin de semana de Acto de Gracias definitivamente ya no es el inicio de compras navideñas. Black Friday, Small Business Sábado y Cyber ​​Monday se han convertido en eventos de porción de temporada, tal vez incluso al principio del impulso final.</p>
<p>Intento que mis compras navideñas se envuelvan más o menos del lunes cibernético, así que a menos que lo retraso adecuado a la promoción de Freedom Flex (dudoso), tendré que encontrar otras formas de maximizar mis ganancias en efectivo.</p>
<h3>No compro mucho en Old Navy o en grandes almacenes</h3>
<p>No estoy seguro de cuán aperos serán las bonificaciones de la antigua Escuadra y los grandes almacenes para los hábitos de consumición de mi tribu. No tendemos a comprar en Old Navy. De hecho, no creo que compremos mucho en ninguna de las tiendas que califican para la categoría de grandes almacenes.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/como-hacer-una-transferencia-de-saldo-con-citi" target="_self" rel="dofollow" class="u801b511999b0bc330602c76ec41f07fb"><!-- INLINE RELATED POSTS 2/3 //--><style> .u801b511999b0bc330602c76ec41f07fb { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u801b511999b0bc330602c76ec41f07fb:active, .u801b511999b0bc330602c76ec41f07fb:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u801b511999b0bc330602c76ec41f07fb { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u801b511999b0bc330602c76ec41f07fb .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u801b511999b0bc330602c76ec41f07fb .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u801b511999b0bc330602c76ec41f07fb:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">Cómo hacer una transferencia de saldo con Citi</span></div></a></div><p>Amazon, Walmart y Target no están incluidos, me dice un representante de Chase. Los términos y condiciones excluyen específicamente &#8220;supercentros, tiendas de descuento o tiendas especializadas (por ejemplo, tiendas que venden principalmente una crencha de productos, como zapatos, tiendas de mascotas, tiendas de electrónica, tiendas de ropa) y sitios web de mercados en crencha&#8221;.</p>
<p>¿Qué está incluido? &#8220;Los comerciantes en esta categoría generalmente tienen múltiples departamentos que venden ropa, muebles para el hogar, muebles, electrónica, cosméticos, artículos para el hogar y los principales electrodomésticos &#8230; Se incluyen compras realizadas en el sitio web de un comerciante&#8221;.</p>
<p>Si no está seguro de un minorista en particular, es posible que desee probar una pequeña negocio ayer de poner demasiado consumición potencial de los grandes almacenes en la Freedom Flex, ya que sus recompensas deseadas del 5 por ciento pueden ser solo un 1 por ciento si el código de categoría de comerciante no se alinea para su superioridad.</p>
<p>Los grandes almacenes tradicionales como Macy&#8217;s y Kohl aparentemente cuentan para las categorías de rebaja. Siquiera compramos mucho, pero supongo que podríamos.</p>
<p>De hecho, ese cambio en el comportamiento es el punto de estas promociones. Estamos viendo más emisores de tarjetas colgando incentivos, como estas categorías trimestrales rotativas, ofertas vinculadas a tarjetas (como ofertas de Chase) y varios créditos de estilo de vida (estipendios mensuales, trimestrales o semestuales para ciertos tipos de entrega de alimentos, pasajeros, servicios de transmisión, etc.).</p>
<h3>Recompensas de polímero de crédito Los libros de cupón girados</h3>
<p>Mi colega Ana Staples capturó esta tendencia perfectamente en su cuarto: &#8220;¿Cuándo comenzaron a convertirse en los libros de cupón?&#8221; Ana lo clavó con esta descripción de <span data-capi-name="22146013">Platinum Card® de American Express</span>:</p>
<blockquote class="pull-quote PullQuote PullQuote--very-long">
<p class="pull-quote__copy PullQuote-copy font-bold">Si está tratando de compensar la tarifa anual con créditos de explicación, la polímero dictará dónde gasta. Vas a comprar en Walmart regularmente. Tu pabellón es equinoccio. Incluso los créditos de entretenimiento digital solo se aplican a Disney+, un paquete de Disney+, ESPN+, Hulu, The New York Times, Peacock y The Wall Street Journal (Nota: Paramount+, YouTube Premium y YouTube TV se agregaron más tarde). ¿Solo se suscribió a Netflix y Spotify? No tienes suerte.</p>
</blockquote>
<p>Vemos esta tendencia en toda la industria, incluidas las categorías de Freedom Flex de Q4. La inventario es excelente si compras regularmente en Old Navy, y tiendas como Macy&#8217;s y Kohl&#8217;s incluso. Probablemente no sea tanto si eres más honrado a Walmart o Amazon. Y las marcas hermanas de Old Navy Gap, Cambur Republic y Athleta están específicamente excluidas, según los términos y condiciones.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/que-le-sucede-a-mi-tarjeta-de-credito-si-el-banco-emisor-se-cierra" target="_self" rel="dofollow" class="u61b5a94e6efd9b919c03c9f13a90a50c"><!-- INLINE RELATED POSTS 3/3 //--><style> .u61b5a94e6efd9b919c03c9f13a90a50c { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u61b5a94e6efd9b919c03c9f13a90a50c:active, .u61b5a94e6efd9b919c03c9f13a90a50c:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u61b5a94e6efd9b919c03c9f13a90a50c { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u61b5a94e6efd9b919c03c9f13a90a50c .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u61b5a94e6efd9b919c03c9f13a90a50c .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u61b5a94e6efd9b919c03c9f13a90a50c:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">¿Qué le sucede a mi tarjeta de crédito si el banco emisor se cierra?</span></div></a></div><p>Cada vez más, los programas de recompensas de tarjetas de crédito enfatizan un conjunto más ceñido de marcas que pagan para ser incluidas (como una forma de marketing de respuesta directa) y, como resultado, esto reduce la inventario de posibles oportunidades de recompensas para usted, el titular de la polímero.</p>
<h2 data-position="3" data-beam-element-viewed="" data-id="br-h2-3-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="The bottom line" data-outcome="">El resultado final</h2>
<p>Logré el codiciado &#8220;año valentísimo&#8221; en 2024, maximizando todas las categorías trimestrales de rebaja de Freedom Flex. Este año, me quedé suficiente corto en el segundo trimestre. Con unos días restantes en el tercer trimestre, será una señal cercana esta vez, y efectivamente no sé qué esperar en el cuarto trimestre.</p>
<p>Si los planes de viajes familiares futuros se alinean, podría tener la oportunidad de maximizar la categoría de viajes de Chase en una sola transacción (mi tribu de cuatro podría comprar fácilmente $ 1,500 en una reserva de viajes). Pero no estoy seguro de que tengamos un próximo alucinación que se alinee con la promoción, en cuyo caso mis hábitos normales de negocio navideños probablemente no serán suficientes para cerrar la brecha.</p>
<p>Mi opción de retroceso podría ser usar PayPal a lo abundante de diciembre. Incluso si mis compras navideñas se realizan para entonces, podría usarlo en una tienda de comestibles nave, aunque lo he hecho en el pasado y lo encontré más que un poco torpe.</p>
<p>Todavía está proporcionadamente si no maximizo cada conjunto de selecciones trimestrales. Tan agradable como es ingresar $ 75 adicionales por trimestre al alcanzar todos los umbrales de consumición de la categoría de rebaja, lo postrero que desea hacer con cualquier táctica de recompensas es comprar demasiado o padecer un estabilidad. Hago todo lo posible para maximizar las recompensas de la polímero de crédito, pero solo iré mucho más allá de mi rutina natural.</p>
<p><i>¿Tiene alguna pregunta sobre las tarjetas de crédito? Envíeme un correo electrónico a </i><i>ted.rossman@bankrate.com</i><i>  Y estaría acertado de ayudar.</i></p>
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<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
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