- Centurion Member
- Posts: 512
- Joined: Mon Mar 05, 2012 10:58 am
- Location: PA
I've become MemberSince99 all over again.... I opened another Discover after closing my it card several weeks ago. Here's why:
Yes, I've raved a lot about the Hyatt visa card. Don't get me wrong - I like the card, Chase has always been good to me and it is my highest limit at $15,000. Yes, the redemption rate for the rooms if done right can top 5%. However, I'm finding that I'm not using the points as often as I thought I would. I got my anniversary night available as of February and have yet to use it. Yes, Hyatt is by far my favorite brand and the one I use the most when traveling for personal reasons, but I'm just not needing to as much as I thought I would. (Most of my travel now is paid by my employer and paid for with my corp visa, so I'll stay wherever is most convenient for that trip.) I'm going to keep my Hyatt visa because I am sure I'll make use of the annual nights, plus with Chase going to chip & PIN that'll be nice, plus it's nice having a $15,000 limit. I'm going to close my Marriott card (I never stay at Marriott) and roll it's limit into the Hyatt card. I'm also going to close my Hilton visa. Never even use it nor do I stay in Hiltons.
Airline cards just have never been good to me. I've tried before in the past and reward seats never seem to be available when I want to fly. Plus between airport taxes, credit card annual fees and sometimes fuel surcharges (here's looking at you, European carriers!), how much did you REALLY save? Airlines are out.
With me getting nothing out of airlines and not really feeling the benefits of getting hotel points, that leaves cash back. Here's the thing: the thought of rotating categories is painful. I want simplicity and consistency. In my opinion, Discover has blown AmEx away in a few key areas: 1) Customer service is hands down worlds better at Discover (except that one incident that made me close my card before), though YMMV. 2) Discover actually gives me credit limit increases (in the past at least) unlike AmEx that has kept me at the same limit since 2011. 3) I can use my Discover for literally every bill I have except my car insurance which is paid every 6 months. I'll use my Hyatt visa for that to keep that card active. I cannot use my AmEx for car insurance, cable/internet or electric. 4) Shop Discover. Hello, shop AmEx anyone?? Didn't think so.
Yes, I could juggle this card for that category, that card for that store, this card for this thing and oh yeah, that card for when something is an extra 4% cash back for the next 3 months. I'm not looking to maximize it. I just want simplicity. Life is too short and too complicated to worry about getting an extra $20 cash back a month by juggling cards. I can save $20 by not eating out one night. PB&J isn't THAT terrible! Besides, having balances spread out over multiple cards doesn't give me a quick snapshot of what balance I'm at. Easy for me to underestimate what the total due will be. Overspend right there!
I got the Discover It Chrome. No categories to worry about. I can use it anywhere I go (or so it seems in my area. Discover is very widely accepted around here). Cust service is good. I've already used shop discover. I can use the cash back as a statement credit for anything I want (like plane tickets). USA based customer service. FICO scores on the bill. Etc. Hello, simplicity.