Chase Freedom Unlimited

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JonE
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Re: Chase Freedom Unlimited

Postby JonE » Sat Apr 09, 2016 2:23 am

Will consider PCing at some point in the future. That'll make Discover my lone '5% category' card.
Wallet: Chase Freedom, Discover IT
Chopping Block: Synchrony
Future: TBD


kdm31091
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Re: Chase Freedom Unlimited

Postby kdm31091 » Sat Apr 09, 2016 8:02 am

JonE wrote:Will consider PCing at some point in the future. That'll make Discover my lone '5% category' card.


I think for most people one 5% rotating card is enough, especially considering that Freedom and Discover often do very similar categories, just at different times during the year.

Tubpbs
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Re: Chase Freedom Unlimited

Postby Tubpbs » Sat Apr 09, 2016 10:29 am

kdm31091 wrote:
JonE wrote:Will consider PCing at some point in the future. That'll make Discover my lone '5% category' card.


I think for most people one 5% rotating card is enough, especially considering that Freedom and Discover often do very similar categories, just at different times during the year.



I personally find the rotating categories to be difficult to use / a pain in my ass. I never remember what is what and when and I don't keep either the Freedom or the It in my wallet on a regular basis, so sometimes when I realize I can use the cards, I can't anyway... I wish I could just get 5% back on everything... BS.
Last edited by Tubpbs on Sat Apr 09, 2016 6:28 pm, edited 1 time in total.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

JonE
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Re: Chase Freedom Unlimited

Postby JonE » Sat Apr 09, 2016 1:28 pm

Tubpbs wrote:
kdm31091 wrote:
JonE wrote:Will consider PCing at some point in the future. That'll make Discover my lone '5% category' card.


I think for most people one 5% rotating card is enough, especially considering that Freedom and Discover often do very similar categories, just at different times during the year.



I personally find the rotating categories to be difficult to use / a pain in my ass. I never remember what is what and when and I don't keep either the Freedom or the It in my wallet on a regular basis, so sometimes when I realize I can use the cards, I can't anyway... I wish I could just 5% back on everything... BS.


One is definitely plenty. I think Discover is the likely keeper thanks to the Double Cash and better deals on Discover Deals than you get on the Chase UR mall. Even though it has a smaller CL ($1400) vs the Freedom ($2000). I could rethink the CSP and go for something like Venture, or just not go for a "travel" card at all.
Wallet: Chase Freedom, Discover IT
Chopping Block: Synchrony
Future: TBD

dragon452
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Re: Chase Freedom Unlimited

Postby dragon452 » Mon Apr 11, 2016 4:32 pm

pac4toon wrote:Yeah, I think I will pass on this one.

I wonder if you can do a PC from the Freedom to Freedom unlimited?


Yes you can...I did the product change on April 2nd, and had the new card by April 7th. Exact same terms as the original Freedom account. This was a no-brainer for me, as I have two Freedom Visa Signature accounts (one was a Mastercard to Visa convert), and I rarely used the 5% catagories. I have the best of both plans now.

kdm31091
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Re: Chase Freedom Unlimited

Postby kdm31091 » Mon Apr 11, 2016 7:27 pm

Tubpbs wrote:
kdm31091 wrote:
JonE wrote:Will consider PCing at some point in the future. That'll make Discover my lone '5% category' card.


I think for most people one 5% rotating card is enough, especially considering that Freedom and Discover often do very similar categories, just at different times during the year.



I personally find the rotating categories to be difficult to use / a pain in my ass. I never remember what is what and when and I don't keep either the Freedom or the It in my wallet on a regular basis, so sometimes when I realize I can use the cards, I can't anyway... I wish I could just get 5% back on everything... BS.


I agree. It is kind of a pain to keep track of what's what, and I had my Discover SD for Q1, so now it's hard to remember I "should" be using it this quarter for dining! You just get in the habit of using other cards.

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CarefulBuilder14
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Re: Chase Freedom Unlimited

Postby CarefulBuilder14 » Mon Apr 11, 2016 7:57 pm

I don't have any trouble remembering 5% categories when they are useful.

Take this quarter:
Discover movies - I needed a reminder.
Discover restaurants, Freedom Costco and groceries - I've got those down cold.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

astronautcowboy
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Re: Chase Freedom Unlimited

Postby astronautcowboy » Sat Apr 16, 2016 6:07 pm

Was approved instantly for 10K, my 6th Chase card. I'm not a churner and do not have much interest in applying for a ton of cards, so the CSP/FU/Freedom combination is perfect for me. Sure, I could theoretically get more points with more cards, but simplicity is important too. Plus, Chase partners with United, who partners with ANA. Got three free tickets to Japan last year!

Wife also apped and was approved for a Freedom on the same day. She's got a short credit history but crushed my Unlimited's CL.

dickey1331
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Re: Chase Freedom Unlimited

Postby dickey1331 » Mon Apr 25, 2016 5:10 am

I'm thinking about switching my Freedom to the Unlimited. I dont really used the 5% categories like I used to.
American Express Blue Cash Preferred $16,000
Platinum Delta Skymiles $12,900
Marriott Rewards Premier $12,000
Discover IT $12,000
USAA Cash Rewards $11,000
Chase Sapphire Preferred $6,500
Chase Freedom $4,500

Kevin86475391
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Re: Chase Freedom Unlimited

Postby Kevin86475391 » Mon Apr 25, 2016 1:12 pm

Well personally I love the rotating 5% categories and wouldn't dream of changing my 5% Freedom to a 1.5% Unlimited. 1.5% is always useless to me since I can get 2% with the Citi DC. So my cards have to at least match or exceed the 2% on a transaction to ever get swiped.

I could see someone wanting it specifically due to the UR points, but as I've often mentioned (I'm sure you guys are getting tired of hearing it :ppp ), I don't travel so I only take cash back anyway, and I couldn't care less whether the cashback is from Discover, Citi, BofA, or Chase. Wherever will give me the most cashback is where I'll go.

Personally, I also do find it useful to have both the Freedom and Discover It and have always loved the combo. Of course it's most useful when they don't offer the same category at the same time. There are always some I don't use AT ALL like gas/travel, home improvement, movies/entertainment, but by the same token there are always categories I love like restaurants, online shopping/amazon, and groceries. As long as those categories don't sync up I can get 6 months a year at 5% on them. If they do sync up it's a lot less useful, but occasionally I do exceed the $1,500 quarterly cap on one so there's potentially still a small benefit. I don't personally find it difficult to keep track of the categories or much of a hassle to switch which cards I'm using for which category.

I'm just hoping they don't eventually completely axe the original Freedom and force people to convert. If they did, like I said I wouldn't have much reason to keep the card...well unless the DC gets nerfed, which I'm sure it will be at some point, and I can't find an always 2% alternative.



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