FutureBillionaire wrote:I like how easy and quick it is to get my gift certificates when I redeem my cash back with Discover. How easy and quick is it to redeem with Chase Freedom?
CC Deville wrote:Chase Freedom is easy as well. They have a separate site called Ultimate Rewards where you can redeem points for cash, gift cards etc. Your choice goes into a shopping cart and then it is fulfilled.
CC Deville wrote:Discover is doing gas twice next year. Kind of nice; however, after this year having groceries for only one month, for 2012 Discover has completely done away with groceries.
Good to see that the original cash back card has noticed that they had fallen way behind and are becoming more competitive. Discover is a great company to deal with.
jeffysdad wrote:Comparing the 5% calendars for Chase Freedom and Discover More and Chase still wins, imo, except for second quarter, which is a tie...
1Q: Chase is Gas and Amazon (!!!) while Discover is Gas and Entertainment (movies and museums as noted above).
2Q Chase is Groceries and Movie theaters while Discover is Restaurants and Movies; during this Q I'll use Chase for the groceries and Discover for Restaurants; otherwise no need for me to use Discover rest of year.
3Q Chase is Gas again and Restaurants while Discover is Gas and "Summer Fun," whatever that is.
4Q Chase is Hotels, Airlines, Best Bu and Kohls while Discover is "Holiday Shopping." Neither appeals to me in this case.
Considering the duplication of reward categories throughout the year, the wider acceptance of Visa over Discover and the fact that as a Chase customer my rewards are goosed up a bit because I have checking with them, there really is no reason to use Discover unless I exceed the Chase rewards cap, which I won't. I will pick up that second quarter restaurant bonus from Discover, though, and use the points, which probably would otherwise be stranded, to "pay with points" on Amazon.com.
jeffysdad wrote:1Q: Chase is Gas and Amazon (!!!) while Discover is Gas and Entertainment (movies and museums as noted above).