Chase Freedom and Discover rewards calendars are nearly identical this year.

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Chase Freedom and Discover rewards calendars are nearly identical this year.

Postby jeffysdad » Sat Jan 08, 2011 3:55 pm

In case you haven't noticed, the rotating rewards categories and corresponding quarters for Chase Freedom and Discover are nearly identical this year. However, Chase is offering 5% rewards on spending up to $1,500 per quarter. In the first quarter, for instance, Discover is only offering 5% on spending up to $800.

The only significant difference in the calendar categories is during this quarter, 1Q2011, when Freedom is paying 5% on gas and drugstores and Discover is paying 5% on restaurants. For me there will be no reason to carry the Discover card for the rest of the year after I reach $800 in restaurant spending this quarter since Freedom will be offering the same reward categories at the same time and with a higher cap for the remainder of the year.

One other point to consider, Freedom cashback redemptions begin at $20, while Discover makes you wait until you have $50 accrued.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

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Postby infomaniac » Sat Jan 08, 2011 4:59 pm

Surely this is no accident as the two are gunning for the same customers.

Another point to contemplate is the higher cap on 5% offered with the Freedom card.

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Postby George_in_NH » Tue Jan 11, 2011 6:12 pm

What about the tactic of getting both and switching from one to another once I have reached the rewards ceiling?

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Postby Mogul of Pineapples » Fri Jan 14, 2011 10:42 pm

I feel the categories last year on Freedom were better. I liked the education category but that is no longer being offered.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

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