MB131174 wrote:personally, i prefer discover. point transfers are not my cup of tea. yes, you get a higher "value" (subjective) in that, but too often point transfers, especially air, are a PITA. too often the flights you actually want aren't available or you have obscene connections and layovers. i have both cards. i honestly don't even know where my freedom card is. (i am 100% certain it's at home though, so it's secure.) i use my discover for literally everything. i gave up on the "points" and "maximize your rewards!" points game. i want simplicity, good customer service (which i get 99.9% of the time with discover) and i'm happy. i think it's less stressful too. i don't wanna stress out over remembering which card to use at which type of vendor and juggling multiple cards. ok so i strayed, but i personally have been very pleased with discover.
You totally bought into Jennifer Garner's BS! I've never had trouble finding a flight. Sometimes you have to use multiple tools to search, but there's almost always a way.
On a purely objective comparison (and ignoring CSP or Ink combinations), they shake out about the same - maybe a slight edge to Discover.
- Both offer 1x with quarterly 4x bonuses. Whether one set of bonuses suits you better varies depending on the year and your spending habits.
- Extended warranty is about the same on both cards - up to an extra 12 months on warranties of three years or less, $10k per incident, $50k per year. Discover has more exceptions to coverage; Visa (Freedom) excludes more specific products.
- Discover probably wins on customer service, although Chase does a pretty darn good job, especially if you have a Visa Signature version.
- Getting your rewards - depends. Discover - redeem for statement credits or bank deposit; buy gift cards with up to $5 bonus; redeem points to purchase at partner retailers (Amazon is one); Discover gift cards; or charity donations. Freedom - statement credits or bank deposit, gift cards (no bonus); redeem points for Amazon purchases. Discover wins on gift card bonuses and retail partners.
That said, CSP or Ink adds an entirely new dimension to Freedom. It becomes a travel rewards card instead of a cash back card. I got over 6Â¢ per point on some redemptions this year. That means that in some cases, I'm getting more than 30Â¢ of value back per dollar spent on bonus categories. Discover can't even come close to that.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]