pswinontario wrote:I am really so confused for chase freedom and discover both 5% cash back.
I do not know which 1 should I go for?
You need to tell us your needs/wants/preferences/priorities if you want recommendations. Selecting cards is always about what best suits the individual. You have to give us your criteria for narrowing it down. Why did you select these two in the first place? What are you specifically looking for from a new card?
FWIW I find both useful but that doesn't really mean anything unless your needs/wants are similar enough to mine.
kdm31091 wrote:The categories are more or less the same during the year. The cash back is the same. There's really no reason to have both of these cards. Just my opinion.
They're different enough for me. As with any subjective matter YMMV. What really matters though is the OP's take. We don't know, for example, if the OP can better leverage UR points or not and that could play a role in the decision. The OP hasn't provided enough information and we can't just recommend what we prefer and/or rely on assumption.
kdm31091 wrote:There's really no reason to have both of these cards. Just my opinion.
I know you're saying it's your opinion but "I don't see a reason" != "there is no reason".
I don't see a reason for a lot of things yet plenty of other people do. Plenty don't see the reasons that I see either.