New 5X Category on THIS Credit Card + Cyber Monday 20x Amex Points

In this video, I want to tell you about a new 5% SL5X points category on a certain credit card for the month of December only. Then we have the built rent day benefits that are now live. You can get up to a 100% bonus on transfers to a certain airline. And it is Cyber Monday, your final chance to pick up those Black Friday weekend deals. And there is a certain rewards program offering up to 20% cash back/20 MX points per dollar for today only. I'll tell you about that at the end of the video. Hey credit warriors, welcome to the show. My name is Ben Hedges aka the credit shoo. And on this channel I cover US credit cards, personal finance, and luxury travel. If you like the sound of that, please subscribe. But let's get into the video. So first of all, we have a new 5% category on the Chase Freedom and Chase Freedom Flex cards. These are cars that offer 5% cash back on up to $1,500 worth of spending in categories that change every quarter. This quarter's categories are Old Navy, Chase Travel, and department stores. I guess that makes sense for holiday shopping, right? Department stores, probably buying gifts for Christmas. But this year, they've been adding another category for the last month of each quarter because it is the anniversary of the 5% categories this year, which I forget which anniversary it is. Maybe it's the 10th or maybe 15th anniversary. Not sure, but they're celebrating a certain milestone anniversary. All right. And for the final month of the final quarter of the year, which is now December, that bonus category is PayPal. Now, this is pretty cool because a lot of websites have an option to pay through PayPal. You just need to make sure that the Chase Freedom or Chase Freedom Flex is selected as your payment method in your PayPal account. And in case you're wondering, can I use PayPal to pay a friend or to send money? No. Here's what it says in the terms. This category includes purchases made using your Chase Freedom card with PayPal. Purchases made using PayPal at merchants in the current quarterly categories will be awarded a total of 5% cash back rewards. Payments made through the Zoom transfer service and not eligible for 5% must have an open PayPal account. Please note persontoperson transactions made with your Chase Freedom card on PayPal may not be eligible for 5%. So they emphasize it is on purchases, okay, not other types of transactions. Interesting though, they say persontoperson transactions may not be eligible. Okay, they didn't say definitely not eligible, may not be eligible, but I I think probably I would be ingring towards the side of not eligible, right? But I think, you know, even if it's just for purchases, it still offers quite a lot of chances to use it, especially if you still have some online shopping to do for Christmas. Remember, you have to activate the categories in your online account at an ATM by December 14th. But I'm guessing that most people with this card would have already activated them since we're now towards the end of the quarter. All right, let's now look at the second story of the day, and that is the built transfer bonus. So, if you are a built member, whether you have the built credit card or not, you can today and today only transfer built points to British Airways with a significant bonus. Actually, this also includes Heirlingus and Iberia, too. But if you've already transferred to BA, you can just transfer to Heirlingus and Iberia from BA anyway. So, really, this is just, you know, it's all part of the same system. So, we'll just talk about BA. But let's now take a look at the level of bonuses you can get at different tiers of Built membership. So, for blue members, which includes me and anyone who just signed up for the program or who doesn't do that much spending through Built, but been a member for a while, you get a 50% bonus, which is actually a great bonus. All right, the highest I've ever seen from Annex ever is 40%. All right, then for silver, it's 60%, for gold it's 75, and for platinum it's 100%. So, if you're a platinum member, every,000 built points you transfer over is equal to 2,000 BA AIOS. You're basically doubling your points. That's an amazing bonus. So, for built members, you can check that out today. Remember, it is best to find award availability first uh before you transfer your points over. You don't want to get your points stuck in a certain airline with no way to use them. Although, for people with a lot of experience using BA to book flights, and remember, you can book the whole of One World Alliance, including American Airlines. So for those people who are experienced booking BA or one world awards through BA, um you may be fine with transferring over without a specific award planned, but for those less experienced, you probably want to find award availability first. If you are new to Built, I'll put a sign up link down below. You can check it out. You can use Built to pay rent with a credit card and earn points. They also have a dining program where you can earn an extra three points per dollar on your restaurant spend at the restaurants in their program on top of what you earn on whatever credit card you use. service like the Annex gold be four from Annex, three from Built. That's seven points per dollar. Pretty cool. Uh you just need to link one of your existing cards to Built, for example, the Annex Gold. There are also some new Built credit cards coming out in February that you're going to be able to pay mortgages with and earn uh points on that, too. So, it's a great time to sign up for Built, even if it's just to use the dining program for now and then wait to see what those credit cards are like next year. So, I'll put the links down below. Just don't forget if you do sign up for their dining program, don't forget to link a card so that you actually end up earning points. All right, last story of the day. Cyber Monday deals. Now, we did a video on Friday going through all of the different offers out there over Black Friday weekend. It looks like this. I'll put it on the end card of this video if you want to check it out. But I want to draw your attention to one last blast. All right? And that is from the cash back and points portal, rakutin. They are doing 20% cash back which is also redeemable as 20x MX points. Okay. And this is at many popular stores and websites. You just go to Racketin first and then you click through to those stores sites. All right. Basically, they're just doing marketing for these stores and they're sharing their marketing commission with you in the form of cash back and MX points if you choose MX points. And you earn that 20% on top of whatever you earn on whatever credit card you use. Okay? and on whatever Cyber Monday discount the merchant is offering. So, it's like stacking three layers of deals. So, these are the stores on screen now that are offering 20%. There are a few good ones, but it's not like amazing, but you know, if you wanted to shop at one of these stores anyway, then today's a great day to do it. But then in addition to that, there's also a load of other stores still offering 15%. Including Lululemon. All right. So, I went ahead and I actually finished off my MX Platinum Lululemon credit today for quarter 4 of 2025 buying some $30 underwear. Okay? And it's really good underwear, guys. Now, I wear $30 underwear. There is no going back. This is the fourth pair I've bought since the Lululemon credit became a thing, and I'm slowly replacing my entire inventory of underwear with it. [laughter] Okay, it's really worth it. Anyway, there are loads of deals still live on Racketin, so it's well worth checking out. And the cash back, like we said, it can be redeemed as Ammex points. Uh, one sending cash back equals one AMX point, which gives you even more value. All right, you could be doubling the value. And you can also get a $50 bonus when you sign up through my link below and make your first purchase. All right, so link is down there. Do check it out if you're interested. And remember that deal, it ends today. All right, this is the last day of the whole Thanksgiving, Black Friday weekend, Cyber Monday. All right, guys, that is the video for today. Happy Cyber Monday. Please subscribe if you're new and we'll see you in the next one.