Question for Current Chase Freedom Cardholders who Have or Have Had Discover Too

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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Nov 12, 2014 9:43 pm

Oh, my experience is mostly with Costco and the selection of the 20% off ones there is limited. Discover is nice that they have a good selection.

It's also the case that the denomination amounts on sites like giftcardgranny.com can be irregular or impractical. 30% off a $50 restaurant card can be a good deal. 30% off a $500 restaurant card can be harder to use.

If I saw some gift card I wanted on the Discover site for 20%, that would be pretty good. My point was more that it's good to shop around for gift cards.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red


itsmeandrew
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Postby itsmeandrew » Wed Nov 12, 2014 10:24 pm

I have both, and use both depending on the transaction. For normal, everyday things the Freedom is my go-to. That is mostly because I also have a checking and get the 10% yearly bonus. I don't worry too much about how to get the most cash back/points out of a transaction, unless it is larger or a significant difference then I'll choose whichever is better. Example: I just a camera off eBay and got 5% from Discover compared to 1% with Freedom. The 5% categories are very similar, but have slight differences. Freedom had gas for half of the year which was a big benefit to me.

I do prefer Discover's customer service but have had maybe a few phone calls to each company.

If I were to choose just one of these cards to have, I would stick with my Freedom. Visa is more widely accepted (although Discover is getting much better than they once were), the checking account bonus is nice, and the 5% categories are a little more useful to me year-round compared to Discover.
Capital One Platinum $500 (2/2010) CLOSED (1/2013)
Wells Fargo College Cash Back $1.2K (8/2011) CLOSED 3/2015
Chase Freedom (Signature) $10K (4/2012)
AmEx Zync NPSL (4/2012)
Samuels Financing $2.9K CLOSED 4/2015
Discover IT $3.95K (7/2012)
Chase Marriott Premier (Signature) $5K (9/2012)
Chase Slate $2.5K (12/2012)
Citi Simplicity $4K (3/2013)
AmEX BCE $9.5K (5/2014)
Chase Amazon $4.5K (5/2014)
Barclaycard Apple Financing $2K (6/2014)
Capital One VentureOne (Signature) $5K (1/2015)


TU (Discover): 760

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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Nov 12, 2014 10:34 pm

Does anyone have any data about Discover's acceptance internationally, once you factor in the other payment networks like Diners Club which take Discover cards (but do occasionally have problems)?

Chase's customer service is okay, but in my personal experience and from anecdotes of people around me, they can tend to authorize some pretty obviously fraudulent charges. I and others have been made whole, but it's still a headache. I've never had a fraudulent charge with Discover, though, to which I could compare the Chase experience.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red

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Postby djrez4 » Thu Nov 13, 2014 9:08 am

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 6¢ per point on some redemptions this year. That means that in some cases, I'm getting more than 30¢ 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]
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djrez4
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Postby djrez4 » Thu Nov 13, 2014 9:14 am

CarefulBuilder14 wrote:Does anyone have any data about Discover's acceptance internationally, once you factor in the other payment networks like Diners Club which take Discover cards (but do occasionally have problems)?


Accepted on the Diner's Club network (which Discover purchased), Unionpay (China), and JCB (Japan). Acceptance is not as wide as Visa or Mastercard in Europe, but is growing. It works on all Unionpay terminals. You might have success in Shanghai...anywhere else, good luck convincing a Chinese shop clerk to accept it unless you speak Mandarin. The Japanese people are polite enough to try the card in their JCB terminals when it's presented.

I brought my Discover to both Japan and China. I did not once encounter a terminal that would have accepted it that did not also accept Visa, MC or Amex, so I never used it.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]

[/RIGHT]

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Postby Nixon » Thu Nov 13, 2014 9:22 am

popamode72 wrote:From that perspective, I'd say Discover has been quite good. I like their customer service a lot despite some stuff I was complaining about earlier here that I've let go of.


I love how Discover has treated the wife's account. It's grown from a SL of $6,000 to $11,000 albeit carrying high UTL for the first year having the card. Once we paid it down to 25% the auto-CLI's started rolling in.
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CarefulBuilder14
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Postby CarefulBuilder14 » Thu Nov 13, 2014 9:45 am

I'm not sure about getting a CSP, due to the annual fee, but I may be an MR convert (over cash). This would mean replacing (or supplementing) my BCE with a no-AF Amex ED. I'll still take my 5% cash categories where I can, so it wouldn't get a ton of swipes to qualify for the bonus.

I looked at flights going to the UK for a trip I was considering. I would be able to get about 3.3 cents of value for an MR point through Virgin. The value is much better going east over the Atlantic, when the extra fees and taxes are lower, than on the return trip. Paying cash on the way back to the US would give only about 1.3 cents of value - putting it on par with the BCE for my average spending.

I wouldn't be flying during a peak time of year like the day before Thanksgiving or late December. That seems to be the main reason I've encountered bad values before for MR and UR.

Even if I have to wait a few years to redeem MR points at a great value like that, I'd be happy to do it. Earning 230% on the value of rewards even in over years would be great! I can be patient when there are no annual fees.

I just wish Chase allowed that, too.

Edit: Then again, saving several hundred dollars on a flight would justify several years of annual fees on a CSP. So maybe it still is a great value. It's just rare for me to be an off-peak traveler.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red

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Postby takeshi » Thu Nov 13, 2014 12:54 pm

popamode72 wrote:Which card do you personally prefer and why?

I don't really prefer either. They're both useful and one is sometimes more useful than the other for rewards on a given purchase even though their calendars tend to be similar. That said, these rotators are my least favorite cards and really don't see a whole lot of use.

popamode72 wrote:I've been hearing more and more about Chase's UR point system and how people tend to use those points for transferring over to other cards like the CSP and Ink.

Instead of polling others you should research UR and see if it suits you. As far as points systems are concerned I prefer UR but that's because MR doesn't have transfer partners that are of use to me.

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Postby popamode72 » Thu Nov 13, 2014 1:38 pm

takeshi wrote:I don't really prefer either. They're both useful and one is sometimes more useful than the other for rewards on a given purchase even though their calendars tend to be similar. That said, these rotators are my least favorite cards and really don't see a whole lot of use.


Instead of polling others you should research UR and see if it suits you. As far as points systems are concerned I prefer UR but that's because MR doesn't have transfer partners that are of use to me.


So far the UR points system sounds interesting though I'm still much more interested in getting something like the Amazon Chase Visa especially given that I don't have any need for the CSP or Ink cards. It's an alternative choice seeing as how rigid the underwriting requirements are for the Sallie Mae.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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Postby ToeKnee » Wed Nov 26, 2014 2:31 pm

I have both the Discover It card and Chase Freedom Visa Signature card. If the categories overlap for a particular quarter, I choose the Freedom over Discover. Chase currently gives me a 10% bonus on my annually earned UR points, with a Chase checking account. That will be ending by the end of December 2015, however. I don't own a Chase Sapphire Preferred card, so the UR point transfer isn't something I can factor into my decision over Freedom versus Discover. Also keep in mind Visa is accepted pretty much everywhere, while Discover still has some spotty coverage areas.



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