Chase Freedom Plus card cancelled, now what?

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Chase Freedom Plus card cancelled, now what?

Postby jdt » Fri May 27, 2011 4:46 pm

Hi all,

I'm looking for advice. Chase recently revoked my Freedom Plus card, and converted it to the standard "rotating category" Freedom card, which is somewhat useless to me (this month it's Home Improvement). I netted between 750$-1000$ per year with my Plus card for the past 3-4 years, so I'm sad to see it go.

I currently have the following cards:
Capitol One Platinum Prestige (Sock Drawer, 5k limit)
Amex Blue (Rarely used, 7.5k limit)
Discover Open Road (Used for gas exclusively, 6.3k limit)
Chase Freedom Plus (daily spender, 10.5k limit)
Chase United Mileage Plus (joint card w/girlfriend to manage split purchases, 15k limit)
Wells Fargo Platinum Card (used once monthly for tolls, 15k limit)
FIA Visa (Sock Drawer, 5k limit)

I pay all balances in full monthly, never approach limits, and have an 800+ fico. I spend about 25k a year on my Chase Freedom Plus card. I do not travel often, and when I do it's free standby. Most of the cards above have no rewards associated with them, so I would be open to converting one of them to a different card to use as a daily spender.

I've considered using the Amex Blue card, but it just seems to take too long to gear up, and Amex isn't accepted at many stores I frequent. I have looked into the Chase Sapphire card, and the Capitol One Venture Rewards, but since I don't travel often, they don't seem to be worthwhile.

I'm looking for a card that can replace my Chase card and provide as close to the previous return as possible.

Any help would be much appreciated! Thank you!

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Mogul of Pineapples
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Postby Mogul of Pineapples » Sat May 28, 2011 6:00 pm

I've considered using the Amex Blue card, but it just seems to take too long to gear up

If that's the case I would recommend calling and asked to be switched to the new Everyday rewards, because it doesn't have the tiered system like before. The new version is 3% on gas, 2% at dept stores and gas and 1% on other. If you want to spring for the $75 version you get higher and you can compare the Blue Cash Preferred vs Everyday here.

For all other spending something like the Fidelity AmEx with 2% is hard to beat but you will need to have a Fidelity account first to get it.

Really the question is how many cards are you willing to use? If you are willing to juggle 4 or 5 cards at a time then you can rake in even more rewards.
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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Postby citizensoldier » Sun May 29, 2011 2:40 pm

I had the Chase Freedom plus with 6 categories that earned 3% and it was spectacular. The amount of money I was earning on my day to day spending was incredible. Utilities was a category and I would charge every utility I could to it and almost always gas, restaurants, grocery stores would be 3 of my other 6 top categories. Chase sent me a letter in the mail two or three years ago to cancel the program and when that happened I canceled the card. I have read positive reviews of the new Chase Freedom but it is a far cry from the Freedom Plus card.

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