- Centurion Member
- Posts: 4047
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
Freedom does offer price protection, though I've never used it and I'm sure it could be a hassle with any issuer.
Discover and Chase have both given me fraud alerts over genuine, authorized transactions. Discover fixed it quickly, while Chase kept me on hold for a while. Chase allowed an actually fraudulent charge once, and I had to go through a lot of people to get it fixed. I've never had actual fraud on my Discover, but then again I mostly use it for online shopping and 5% gas. Freedom was (until I got my CSP) the card I used in restaurants (and I've shared my views on credit cards and waiters before). So my spending left the Freedom more vulnerable to fraud, making it a little harder to compare customer service in a totally objective way.
Discover has some cheap gift cards that will let you get nominally 1.1 or 1.2 cents per point for a useful gift card (like Chipotle or Olive Garden), but to get 'value' beyond that you have to get a less-useful gift card (for me, at least) at a place like the Popcorn Factory. Consider that Discover and Chase portals offer discounts that are nearly as good for several of the gift card partners, and the Discover gift cards are a lot less appealing to me than they used to be. Chase's gift cards are even worse, so Chase and Discover should be compared as purely cash bank cards.
CSP's ability to seriously multiply the value of Freedom's UR points is an overwhelming factor, though. So I'd say that for heavy spending, in the long run, CSP+Freedom > Discover > Freedom alone. For light spending, Discover > Freedom > Freedom+CSP.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech