CarefulBuilder14 wrote:I studied Upromise in some detail, and found that it wasn't worth the extra hassle for me.
1. I have the IHG program (and CSP/IHG cards) for Rewards Network restaurants.
2. I don't use the Upromise travel portals much, and would rather pay with CSP and find a random discount code if I do.
3. The online shopping portals offer little (that I'd realistically buy) beyond my other portals.
4. 10% extra points aren't much of an enhancement.
I'm pretty happy with EDP. The good offers have been cooling off, though. I'm also on pace to exceed the annual $6k grocery limit on EDP, so might use Sallie instead for a month to see if that invites better offers. If you upgrade, see if you can get a small bonus.
I think a CSR might give you an answer, but I wouldn't expect it to be based on good information.
If I did go that route, I think I might just apply for a new account for the extra 15,000 MR. My understanding is as long as it isn't the exact same product one can still get the spending bonus (similarly, a BCE holder could get a bonus for applying for a new BCP, but not for opening a second BCE). I'm past the point where I need to worry about credit card accounts impacting my credit profile (within reason of course...I wouldn't go apply for 15 SCT cards or anything ridiculous). I've got a mortgage and by the time I expect to take out a new car loan I doubt that would be an issue at all (plus, we've got the option of financing in my wife's name only).
Assuming Chase repeats a grocery quarter, do you think you'll use your Freedom for groceries to avoide hitting the EDP cap so early? Maybe Discover will even copy the grocery quarter next year.