[Expired] Chase Amazon Card: Get 5% Back on Bill Payments for Insurance, Utilities, Phone Service, Cable; Max $500 Cashback

Deal has expired, view more Chase Amazon deals by clicking here

The Offer

Direct Link to offer (activate at this link)

  • Earn 5% Back on up to $10,000 in purchases when you pay select bills with your Amazon Rewards Visa Signature Card between January 15 and April 15, 2019.
  • Included Categories: Internet, Cable, and Phone Service; Utilities; Insurance.

Reader Ryan Goldstein supplied us with the direct link. I didn’t yet get an email, but was able to activate it there. Even non-Prime members who have the 3% card are getting this offer. It is, however, targeted, as the link above does not work for everyone.

The Fine Print

  • Must activate offer first.
  • 5% Back: To be eligible for this offer, you must log on to the website referenced in this offer and enroll by 03/31/19, 11:59 p.m. EST.
  • You’ll earn 5% Back for each $1 spent, on up to $10,000 in total spend on combined purchases in the reward categories listed below during the promotional period (4% additional Back on top of the 1% Back earned on each purchase). This equates to 5 points for each $1 spent, until you reach the $10,000 limit. After $10,000 on combined purchases in the reward categories listed below, you go back to earning 1% Back rewards for every dollar spent, with no maximum.
  • For a purchase to qualify for this offer, the merchant must submit charges to your credit card by the last day of the promotional period 04/15/19.
  • All of your eligible purchases during the promotional period will be automatically counted, as long as you have enrolled by 03/31/2019.
  • Please allow up to 8 weeks after qualifying purchases post to your account for 5% Back to post to your account.
  • To be eligible for this offer, your account must be open and not in default at the time of fulfillment.
  • Rewards Categories: Internet, Cable, and Phone Service category merchants provide internet, cable, satellite television, radio, cellular, wireless data, and landline services.
  • In addition, if you purchase or pay for your internet, cable and satellite television, phone or related services in a merchant’s store that is not registered by the merchant in the applicable services category, the purchase or payment will not qualify; for example, phone bill payments in a merchant’s store that register to Chase as a telephone equipment store.
  • Utility category merchants provide electric, household fuel, water, and sanitation.
  • Please note that purchases of equipment and some merchants that sell utility-related goods and services are not included; for example, electronics or other retail stores and merchants offering maintenance and cleaning services.
  • Insurance category merchants provide health, automobile, homeowners, medical, and life insurance.
  • What determines whether a merchant falls into a category? Merchants who accept Visa/MasterCard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making offers to you.
  • Please note: We make every effort to include all relevant merchant codes in our categories. However, even though a merchant or some of the items that it sells may appear to fit within a category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for offers on purchases in that category.
  • Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a category if the technology is not set up to process the purchase in that category.
  • This promotional offer is non-transferable. For more information about your rewards program, see your Rewards Program Agreement.

Our Verdict

Overall, it’s a terrific offer with a high maximum bonus. I wouldn’t value this as a $500 bonus since you can easily get $200-$250 with a 2-2.5% card, but it’s still a nice gain.

For those with an INK card who already get bonus rewards on the Phone and Cable categories, it’s probably the Insurance and Utilities categories which you’ll want to target to see if you can max this out. Consider paying out your utilities and insurances (car, health, life, etc) for the rest of the year at this 5% cashback rate. Worth doing a small test first to make sure it codes properly.

Another idea mentioned on r/churning is that Plastiq codes certain payees as Utilities and that might work for this. Let us know if you try. (Update: does not work)

Hat tip to readers Ryan, Benny, Jeremy

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Cullen
Cullen (@guest_876851)
January 15, 2020 09:26

This offer is back; just got targeted. https://i.imgur.com/pbRNSa3.png
Email subject is: [Name] good news! You’ll be rewarded with 5% Back for paying monthly bills

Betelgeuse ㊙️
Betelgeuse ㊙️ (@guest_877016)
January 15, 2020 12:18

My email subject:
[Name], one-click activation inside: You’re invited to earn 5% Back on your monthly bills
 William Charles

Betelgeuse
Betelgeuse (@guest_747698)
April 12, 2019 11:33

When do you the 5%? I looked in chase app and only saw 1% for a recent utility payment.

Mike
Mike (@guest_732607)
March 9, 2019 13:11

I was able to pre-pay $600 to ConEd in NYC and got $30 (-$3.35 flat CC fee) cashback. I’ve read $1500 is the limit for ConEd, so YMMV. The T&C’s warn that they can refuse over-payments, but mine went through.

Celia
Celia (@guest_725596)
February 22, 2019 01:19

Found out that my water bill doesn’t classify as a utility but found that I could prepay up to 5K on my gas bill for a $3 processing fee 🙂 Only wish this was for UR points.

JIM
JIM (@guest_711805)
January 25, 2019 12:05

the ‘utilities’ category includes gas?
Here is what I can see from the terms: “Utility category merchants provide electric, household fuel, water, and sanitation.” The household fuel == gas?

Betelgeuse
Betelgeuse (@guest_710420)
January 22, 2019 22:17

I can’t pay my homeowners insurance till a few days after the promo is over. Can’t find a way to pay earlier. 🙁

Andrew Kennerly
Andrew Kennerly (@guest_709419)
January 21, 2019 13:43

The offer you are attempting to access is not available for the card account you entered. If you have another account, please try signing in using that card’s information.

Ryan Goldstein
Ryan Goldstein (@guest_707804)
January 17, 2019 15:38

Data point: A Plastiq payment for rent did not count towards this bonus. Source: https://www.reddit.com/r/churning/comments/agwonz/data_points_central_thread_week_of_january_17_2019/eeab941/

CongestionCharge
CongestionCharge (@guest_708114)
January 18, 2019 02:43

My student loan payment didn’t either, not that I really expected it to

Celia
Celia (@guest_719159)
February 8, 2019 00:33

I paid a water bill and electric bill and they don’t show other than the initial 1%. So how do we really know what works and what doesn’t? The terms in the initial email states: Please allow up to 8 weeks after qualifying purchases post to your account for 5% Back to post to your account.

Lisa
Lisa (@guest_707611)
January 17, 2019 08:38

Columbia Gas allows a one time payment with a credit card (not auto pay via credit card). But it clearly re-directs to an independent credit card processor. Any one know if this gets coded as the credit card processor or as the gas company? (I don’t want to make a test because there’s a processing fee.)

Thanks.

Robert
Robert (@guest_710039)
January 22, 2019 11:43

I paid Columbia Gas PA and it posted as BILLPAY-COLUMBIAGASPA and + Bonus on utility purchases. (But, I was not charged a processing fee.)

Phycodes
Phycodes (@guest_707184)
January 16, 2019 14:42

Does anyone have any DP on how monthly iTunes, Netflix and Pet Insurance (petfirst) get coded as on Chase?

On my credit union the Pet Insurance gets coded as insurance. iTunes and Netflix as entertainment BUT my VUDU purchases go under Bills:Cable.