Why is Freedom always rated ahead of Discover?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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CarefulBuilder14
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Re: Why is Freedom always rated ahead of Discover?

Postby CarefulBuilder14 » Mon Dec 14, 2015 12:54 pm

yfan wrote:
Vermonster wrote:The Freedom earns URs, so it does have access to the UR portal. Freedom can have price protection, I'm not sure if it is via Chase or Visa Sig benefits. Either way Discover is probably better to deal with in that regard. Discover's no FTF is nice, but I find it of limited value. From my experience, Visa/MC is infinitely more useful when traveling abroad.

Chase doesn't provide Price Protection, and neither does Visa Signature. They provide Purchase Protection, which consists of a return guarantee and damage coverage within 90 days, but not Price Protection, which is protection against price drops if you already have the item. Yes, you could just "return" an item and buy a new one, but deep discounted sales are often sold out before you can get to it. For Price Protection (Discover, Citi and Mastercard offer this), the cool thing is you still get the difference back even if it turns out you actually couldn't snatch the sale price item in time.

I keep hearing that Discover's foreign use is limited, and perhaps it is if you ask the retailer whether they take Discover. If you just stick your card in the machine without asking them though, I have found that 9 times out of 10 it goes through just fine.

Chase offers something on CSP. I think it does on Freedom, too, but I've not found it in print yet.

PRICE PROTECTION

If a card purchase you made in the U.S. is advertised for less in print or online within 90 days, you can be reimbursed the difference up to $500 per item, $2,500 per year.

Go to https://www.chase.com/online/sapphire/sapphire.html and click "travel and purchase protection benefits".
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when


yfan
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Re: Why is Freedom always rated ahead of Discover?

Postby yfan » Mon Dec 14, 2015 1:33 pm

CarefulBuilder14 wrote:40k/50k URs and a waived first-year $95 fee buy a fair amount of wiggle room for the occasional quarter with bad categories (like gas for a Costco customer).

I agree absolutely with all this, but you don't get 40-50K URs with the Freedom. You get it from CSP. The Freedom as a stand-alone card doesn't have that advantage. The possibility of pairing is one thing as an advantage, but I am not sure if that translates into being able to count one card's rewards/bonus for another when comparing to a competing product.

yfan
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Re: Why is Freedom always rated ahead of Discover?

Postby yfan » Mon Dec 14, 2015 1:36 pm

CarefulBuilder14 wrote:
yfan wrote:Chase doesn't provide Price Protection, and neither does Visa Signature. They provide Purchase Protection, which consists of a return guarantee and damage coverage within 90 days, but not Price Protection, which is protection against price drops if you already have the item. Yes, you could just "return" an item and buy a new one, but deep discounted sales are often sold out before you can get to it. For Price Protection (Discover, Citi and Mastercard offer this), the cool thing is you still get the difference back even if it turns out you actually couldn't snatch the sale price item in time.

I keep hearing that Discover's foreign use is limited, and perhaps it is if you ask the retailer whether they take Discover. If you just stick your card in the machine without asking them though, I have found that 9 times out of 10 it goes through just fine.

Chase offers something on CSP. I think it does on Freedom, too, but I've not found it in print yet.

PRICE PROTECTION

If a card purchase you made in the U.S. is advertised for less in print or online within 90 days, you can be reimbursed the difference up to $500 per item, $2,500 per year.

Go to https://www.chase.com/online/sapphire/sapphire.html and click "travel and purchase protection benefits".

Right, but that's for the CSP, not the Freedom - I was saying Chase doesn't offer Price Protection on the Freedom. You can't buy something on the Freedom (let's say for the bonus category benefits) and file a Price Protection claim on the CSP.

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Re: Why is Freedom always rated ahead of Discover?

Postby CarefulBuilder14 » Mon Dec 14, 2015 1:44 pm

yfan wrote:
CarefulBuilder14 wrote:
yfan wrote:Chase doesn't provide Price Protection, and neither does Visa Signature. They provide Purchase Protection, which consists of a return guarantee and damage coverage within 90 days, but not Price Protection, which is protection against price drops if you already have the item. Yes, you could just "return" an item and buy a new one, but deep discounted sales are often sold out before you can get to it. For Price Protection (Discover, Citi and Mastercard offer this), the cool thing is you still get the difference back even if it turns out you actually couldn't snatch the sale price item in time.

I keep hearing that Discover's foreign use is limited, and perhaps it is if you ask the retailer whether they take Discover. If you just stick your card in the machine without asking them though, I have found that 9 times out of 10 it goes through just fine.

Chase offers something on CSP. I think it does on Freedom, too, but I've not found it in print yet.

PRICE PROTECTION

If a card purchase you made in the U.S. is advertised for less in print or online within 90 days, you can be reimbursed the difference up to $500 per item, $2,500 per year.

Go to https://www.chase.com/online/sapphire/sapphire.html and click "travel and purchase protection benefits".

Right, but that's for the CSP, not the Freedom - I was saying Chase doesn't offer Price Protection on the Freedom. You can't buy something on the Freedom (let's say for the bonus category benefits) and file a Price Protection claim on the CSP.

My (printed in 2013) Freedom benefits guide has the same terms. It's possible the benefit has been nerfed since 2013, but I can't find anything that says it has.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

yfan
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Re: Why is Freedom always rated ahead of Discover?

Postby yfan » Mon Dec 14, 2015 3:19 pm

CarefulBuilder14 wrote:Right, but that's for the CSP, not the Freedom - I was saying Chase doesn't offer Price Protection on the Freedom. You can't buy something on the Freedom (let's say for the bonus category benefits) and file a Price Protection claim on the CSP.

My (printed in 2013) Freedom benefits guide has the same terms. It's possible the benefit has been nerfed since 2013, but I can't find anything that says it has.[/quote]
Chase Freedom's current benefits page does not list Price Protection; it only lists purchase protection and extended warranty. So I'm sure it was discontinued at some point.

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Re: Why is Freedom always rated ahead of Discover?

Postby CarefulBuilder14 » Mon Dec 14, 2015 6:51 pm

Can you find any blogs or official notices that talk about the change? I looked briefly and didn't see anything.

One explanation is that an extremely popular card was nerfed and no one noticed (or no one decided to write about it).

Another explanation is that Chase wants to avoid clutter on the website. I'm thinking this is more likely.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

Tubpbs
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Re: Why is Freedom always rated ahead of Discover?

Postby Tubpbs » Mon Dec 14, 2015 9:29 pm

CarefulBuilder14 wrote:Can you find any blogs or official notices that talk about the change? I looked briefly and didn't see anything.

One explanation is that an extremely popular card was nerfed and no one noticed (or no one decided to write about it).

Another explanation is that Chase wants to avoid clutter on the website. I'm thinking this is more likely.


What about the publicly available PDFs of the T&C for the cards?
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

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Re: Why is Freedom always rated ahead of Discover?

Postby CarefulBuilder14 » Mon Dec 14, 2015 9:39 pm

Tubpbs wrote:
CarefulBuilder14 wrote:Can you find any blogs or official notices that talk about the change? I looked briefly and didn't see anything.

One explanation is that an extremely popular card was nerfed and no one noticed (or no one decided to write about it).

Another explanation is that Chase wants to avoid clutter on the website. I'm thinking this is more likely.


What about the publicly available PDFs of the T&C for the cards?

Pricing & Terms documents mostly contain information about APRs and fees. Price Protection would be described in a much longer benefits document.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

CardAttack
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Re: Why is Freedom always rated ahead of Discover?

Postby CardAttack » Mon Dec 14, 2015 10:15 pm

( Not sure if you've seen this, but I just checked the Freedom website and groceries will be Q2 2016 category.)
Amex BCP|Amex Hilton HHonors|AARP Visa|Chase Freedom |BofA BBR|BofA Cash Rewards | BofA Travel Rewards |Citi DC|Discover IT|US Bank Cash +|REI Visa

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Re: Why is Freedom always rated ahead of Discover?

Postby CardAttack » Mon Dec 14, 2015 10:21 pm

CarefulBuilder14 wrote:Can you find any blogs or official notices that talk about the change? I looked briefly and didn't see anything.

One explanation is that an extremely popular card was nerfed and no one noticed (or no one decided to write about it).

Another explanation is that Chase wants to avoid clutter on the website. I'm thinking this is more likely.


Here's the Freedom benefits brochure. It shows that price protection is included.
https://www.chasebenefits.com/freedomVP1
Amex BCP|Amex Hilton HHonors|AARP Visa|Chase Freedom |BofA BBR|BofA Cash Rewards | BofA Travel Rewards |Citi DC|Discover IT|US Bank Cash +|REI Visa



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