Deciding between Chase Freedom and travel card

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Deciding between Chase Freedom and travel card

Postby m1ekster » Tue Jul 08, 2014 11:13 pm

Hey guys, first post so please let me know if i'm doing anything wrong!

My first and only card has been the Citi forward card which I have been using since 2007 when it was the mtvU card. I've been content for a while but recently started looking into other cards with better options.

I recently got engaged and I thought it would be a great time to get a new card for big purchases and traveling for the honeymoon. So I saw that the CSP and Arrival+ we're very popular choices for travel cards. But i feel as if i am just caught up in the sign-up bonuses, travel perks, and just owning the card to say i have it. I travel maybe 1-3 times a year so i don't think i need these cards but i feel like it would be nice to have when i do travel.

I also see that the chase freedom is a nice well-rounded card as well, but does not have travel perks (or maybe i'm wrong) and seems right for me. I like to keep things simple so I wouldn't want to own more than 1 card so I wouldn't want to get both. I love rewards and freedom looks like a good card.

Is the freedom what i need and the travel cards what i want? Any of you go through this, it's like I want the CSP just to show it off, haha, kind of sad. Anyway, any input is great!

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Postby takeshi » Wed Jul 09, 2014 9:36 am

"Travel" is very vague and covers a number of different cards. I wouldn't consider the Freedom a travel card. It would help to understand what you're specifically looking for. Are you mainly interested in travel rewards? If so, are you looking to accrue rewards with specific travel companies? Are you looking for travel benefits? How much spend and for what categories are you looking to place on the card?

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Postby kcm7 » Wed Jul 09, 2014 1:17 pm

One thing to keep in mind, based on the "travel" cards you mentioned: The CSP and the Arrival function very much like cash-back cards, since you redeem for statement credits against travel. So, even if you just buy one $200 plane ticket per year or stay in a hotel once per year, you can use one of those cards to cancel it out. The Arrival gives you 10% of your "miles" back when you do that. The CSP, of course, lets you turn your points into airline miles (or rewards points with Amtrak, I believe).

So, really, these "travel" cards are really cash-back cards that encourage you to redeem for travel. They don't have the perks that, say, airline travel cards have. So there's nothing too glamorous or impressive about them. Not to say they aren't useful tools -- I have the Arrival myself.

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)

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