Credit Card Forum
+ Reply to Thread
Page 1 of 2 1 2 LastLast
 
  1. #1
    Green Member
    Join Date
    Dec 2012
    Location
    PA
    Posts
    3

    Default BCE vs. Freedom?

    Hi all,

    I've been reading the forums, but this is my first post here. Recently I've got mail offers for Amex BCE and Chase Freedom. Any ideas on which one to choose?

    Most of my spend goes to supermarkets, air tickets and online shopping (e.g. Amazon). The rotating 5% categories of Freedom doesn't include these, so BCE seems to be a better choice. But someone told me Freedom has better offers about air tickets and Amazon, how does that work?

    Also, how serious do you think these pre-offers are? Do they mean my credit score has hit their requirement? I came to US last year and has only 8 mos credit history, so I'm afraid I'll be rejected.

    Any suggestion will be appreciated. Thank you
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  2. #2
    Centurion Member
    Join Date
    Dec 2012
    Location
    Chicago
    Posts
    120

    Default

    I find Chase Freedom better than Amex Blue Cash Everyday. Accepted in most places. You can combine points with other Chase to get rewards faster.
    Chase does offer 5% on airline in one quarter in a year. So if you time one ticket for say $400, you get $20 effortlessly. For 2013, Chase Freedom has Q4- for 5% on Amazon. Ideal for holiday shopping.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  3. #3
    Centurion Member
    Join Date
    Jun 2011
    Location
    Down South
    Posts
    1,587

    Default

    Get a blue cash preferred and get gift cards to the places that you need to shop. Done and done.
    Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
    Plane tickets: CSP
    Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
    Clothes: Express, Amex BCP, Discover IT
    Amazon: Citi Forward, Cash +
    Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
    Hotels and other travel: Discover Escape, CSP
    Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
    Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
    Balance transfers: Kroger 123 rewards
    Bill Pay: Chase Ink Plus, Citi Forward
    Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  4. Centurion Member
    Join Date
    Jun 2011
    Location
    New York state
    Posts
    1,381

    Default

    if your only using a credit card for grocery stores, gas stations and department stores the Blue cash basic card would be the route to go.
    but for restaurants, gas stations, fashion , barnes and nobles , getting your car fixed either card will work.
    I guess it all depends on what you use your cards for. since you metioned grocery stores and travel. I would go for American express and theres a reason why?
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  5. #5
    Centurion Member Terry's Avatar
    Join Date
    Sep 2012
    Location
    Texas
    Posts
    109

    Default

    I have both cards and choose the one that gives the most rewards at the time of purchase.
    AMEX Gold Card - NPSL [Member Since 1995]
    AMEX BCE ($12,000) - For Cashback.
    AMEX Everyday Card ($14,000) 6/14 Backdated to 1995 - For 20% Extra Points Benefit
    Chase Freedom Visa Signature ($13,000) & Discover IT ($13,500) - For 5% rotating categories.
    JCPenney Credit Card ($5000.00) - For special discounts
    Sears Platinum MasterCard ($9,600) - For 0% financing
    Wells Fargo Platinum Cash Back Visa - ($13,000)
    Wells Fargo Personal Line of Credit - ($15,000)

    FICO's - 780+ across all three bureaus [07/2014]
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  6. #6
    Green Member
    Join Date
    Dec 2012
    Location
    DC
    Posts
    6

    Default

    Quote Originally Posted by Terry View Post
    I have both cards and choose the one that gives the most rewards at the time of purchase.
    +1

    I would get both since it rewards you for different things.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  7. #7
    Green Member
    Join Date
    Dec 2012
    Location
    PA
    Posts
    3

    Default

    Thank you guys for the suggestions. I've applied for both. Instantly approved by BCE and still waiting for Freedom~
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  8. Centurion Member
    Join Date
    Jan 2013
    Location
    USA
    Posts
    302

    Default

    Call the recon line for Freedom, they can probably push it through immediately for you.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  9. #9
    Green Member
    Join Date
    Dec 2012
    Location
    PA
    Posts
    3

    Default

    Quote Originally Posted by RewardHop View Post
    Call the recon line for Freedom, they can probably push it through immediately for you.
    Thanks for that. Checked the status today. Approved for freedom.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  10. #10
    Centurion Member
    Join Date
    Dec 2012
    Location
    Chicago
    Posts
    120

    Default

    The issue with BCE is whether you get 3% on grocery or not is dependent of whether the merchant is categorized as grocery or not so if you buy grocery from a shop with MCC not matching, you land up in just 1%.

    Chase freedom offers 5% on gas for 6 months- two quarters a year. Assuming uniform expenditure, that alone makes it average 3 % per month- average of 5% and 1% whereas BCE gives only 2%.

    Both cards offer 1% on everything else.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

+ Reply to Thread
Page 1 of 2 1 2 LastLast
 
These forum posts are not provided or commissioned by the bank advertiser. Posts have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
Advertiser Disclosure: The credit card offers that appear on this site are from credit card issuers from which CreditCardForum.com receives compensation. This compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. CreditCardForum.com does not include all credit card offers that might be available to consumers in the marketplace.