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

All about maximizing your rewards!
Members share tips and tricks for getting the most miles, & points.
22 posts
popamode72
Centurion Member
Centurion Member
 
Posts: 1099
Joined: Sun May 04, 2014 4:41 pm
Location: Atlanta, GA

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

Postby popamode72 » Wed Nov 12, 2014 4:37 pm

Which card do you personally prefer and why? 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.
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)


MB131174
Centurion Member
Centurion Member
 
Posts: 512
Joined: Mon Mar 05, 2012 10:58 am
Location: PA

Postby MB131174 » Wed Nov 12, 2014 5:38 pm

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.
stalk me
KIK: WMB1974

popamode72
Centurion Member
Centurion Member
 
Posts: 1099
Joined: Sun May 04, 2014 4:41 pm
Location: Atlanta, GA

Postby popamode72 » Wed Nov 12, 2014 5:46 pm

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.


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.
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)

User avatar
PlyrStar93
Centurion Member
Centurion Member
 
Posts: 410
Joined: Wed Jun 04, 2014 1:06 pm
Location: Chicago

Postby PlyrStar93 » Wed Nov 12, 2014 5:50 pm

In general cases (same amount of rewards if redeemed for cash) I prefer Chase. The worst case is they have the same cash back, but at least there is potential for UR points to get better value. I am not sure when to get the CSP, even now I am pre-approved for it. Just rack up as many points as I can and transfer them when I am able to and need to. Again, even if it is the worst case and I won't be transferring the points, it's still not worse than Discover.

Also, I will still get the 10% bonus for checking right now. It takes some time for this to get eventually nerfed.

Additionally, my Chase card has a high limit and I like that. When I need large purchases I will think about Chase or AMEX first.


Of course, I try to maximize rewards between the two cards. For example, I can use Discover in Walgreens and online stores that are not Amazon or Zappos right now. If I have maxed out the limit on Amazon for Freedom, then I will switch to Discover if it is not maxed out yet.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 3756
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Postby CarefulBuilder14 » Wed Nov 12, 2014 6:03 pm

Discover has the better customer service, but if a person has (or is considering) the CSP or Ink Plus, then the Freedom becomes more attractive when the 5% categories overlap. There are other ways to get moderately cheap gift cards than through Discover, and the really cheap ones there aren't super-useful.

If I was certain that I would never want the CSP or Ink Plus (due to annual fees after the first year) then I would favor the Discover.

I am warming up to UR and MR as flexible reward programs.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

popamode72
Centurion Member
Centurion Member
 
Posts: 1099
Joined: Sun May 04, 2014 4:41 pm
Location: Atlanta, GA

Postby popamode72 » Wed Nov 12, 2014 7:17 pm

CarefulBuilder14 wrote:Discover has the better customer service, but if a person has (or is considering) the CSP or Ink Plus, then the Freedom becomes more attractive when the 5% categories overlap. There are other ways to get moderately cheap gift cards than through Discover, and the really cheap ones there aren't super-useful.

If I was certain that I would never want the CSP or Ink Plus (due to annual fees after the first year) then I would favor the Discover.

I am warming up to UR and MR as flexible reward programs.


I see. So the Freedom is probably best to have if I ever plan on getting either of those cards years down the line. I don't have any use for the CSP at all right now.
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)

DONx3
Platinum Member
Platinum Member
 
Posts: 70
Joined: Sat Jul 06, 2013 11:04 pm
Location: CO

Postby DONx3 » Wed Nov 12, 2014 7:59 pm

When they had the same categories I use the Freedom because I have the CSP (which is my primary card) and a chase checking account. I also prefer the UR points which I have used to pay for my plane tickets.
Amex Blue Cash Everyday 07/01
Amex Starwood Preferred Guest 03/16, BD 01
BOA Cash Rewards Visa Sig 06/07
Chase Freedom Visa Sig 12/13
Chase Ink Plus Visa Sig 05/16
Chase Sapphire Preferred Visa Sig 07/13
Discover It 01/14
IHG Rewards Club World MC 12/14
Southwest Rapid Rewards Plus Visa Sig 08/16

User avatar
Vattené
Centurion Member
Centurion Member
 
Posts: 1157
Joined: Sun Jan 26, 2014 3:55 am
Location: US

Postby Vattené » Wed Nov 12, 2014 8:31 pm

I don't have the Freedom, but if I may I would like to add a few things that tipped my decision towards Discover back when I applied:
  • ShopDiscover - I've only used it a handful of times personally, but it is a really nice cashback boost when you can make use of it
  • Free FICO scores - It just depends on how much you value this, but if you are planning on keeping the Discover no matter what and at least putting one transaction through per cycle then these are moot points
  • The Chrome Version - (Ok, I didn't know about it at the time so it wasn't a factor I considered, but now I find it very useful) If you come into a quarter that isn't a big category for your spending, you can easily toggle back and forth to chrome (the switch just has to take place at the start of a billing cycle). If a particular quarter won't do much for you, then 2% on gas AND restaurants is a great tradeoff. If you're thinking about going for a Freedom and keeping your Discover this could be a good option when/if categories overlap.

I do agree that the Freedom would be a lot more useful if you see yourself getting a CSP or Ink Plus. You don't now, though, and how likely will you down the road if you're already collecting and getting good value out of MR? If you are thinking about the Freedom, it may be worth waiting until you can see their 2015 calendar - hopefully they will release it soon. Discover's is out, for comparison.



CarefulBuilder14 wrote:There are other ways to get moderately cheap gift cards than through Discover

I am interested in learning these ways!!
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 3756
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Postby CarefulBuilder14 » Wed Nov 12, 2014 8:42 pm

It's really such a YMMV area. I'm looking at flight options for next month and Delta is putting a value of about 0.6 cents on an MR point, while United (if I got a CSP to transfer the UR points) is putting a value of only about 1.2 cents on them. So an infrequent flyer who likes direct coach flights might not get enough use of the program to offset the CSP annual fee.

I guess that's partly due to flying over the holidays and partly due to finding good cash prices for flights.

I'd be a lot happier if Freedom allowed me to transfer points like CSP allows. Sadly, Freedom's nerfing makes it seem like the card's best days are behind it.

Edit: Vattené,

There are websites that serve as gift card exchanges, though I haven't used any. Also, between Amex and Discover, there are so many special deals that it can cut into the savings of a cheap gift card.

Retailers and (and especially warehouse clubs) will sometimes sell restaurant gift cards for 20%-25% off.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

User avatar
Vattené
Centurion Member
Centurion Member
 
Posts: 1157
Joined: Sun Jan 26, 2014 3:55 am
Location: US

Postby Vattené » Wed Nov 12, 2014 9:32 pm

Interesting, I used to be a member of Sam's club in college (when I could get a discounted rate on membership AND I actually lived in a town with one). I think I remember seeing gift cards at something like $.04 off the face value of the card, but I could easily be misremembering.
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now



Return to “Rewards”

Who is online

Users browsing this forum: No registered users and 2 guests