savedbythebell wrote:(2) often the bloggers are into manufacturing points, maximizing points, etc and when you do that, you easily value UR points higher than cashback on discover. 1 ultimate reward point is at its lowest 1 cent i.e. it matches discover. Often, 1 UR point = 2-3 cent. Sometimes you can even get 1 UR = 5-6 cent. You can eventually combine freedom with Ink Plus or CSP and get good value. These points never expire so you could save them for whenever you feel like getting the card.
All cpp calculations necessarily ignore alternatives and cash sales. If you get a flight from New York to London for 50,000 BA points, for example, and the same ticket, if paid for in cash would cost you $1500, the claim is that that's a point value of 3 cents per point. But that assumes that one's travel plan is completely inflexible - that they couldn't fly a different airline or on a different set of dates or even to a different destination and utilize a big cash sale on an alternate airline/destination/dates. That is not how most people plan vacations, and yet cpp calculations cannot take into account those alternatives to determine whether one really is getting a 3 cpp valuation.
(4) There is this whole notion of "discover isn't accepted everywhere". Granted you can use discover almost anywhere in america but still there is that notion. You're not going to use either of those cards for foreign transition.
Of course I would. And I have. Discover card has no FTF, and I have used it in Europe quite successfully. People get bogged down because retailers don't recognize it. But if you just stick it into the chip card reader, 95% of the time it will work. Retailers take it, the staff just doesn't know they do. With its agreements with JCB and ChinaPay, Discover is *the* most accepted card network in those countries, period.
(6) Chase is a physical bank. Granted, for vast majority online support is enough but there might be small group of people that may prefer to get help at a bank when needed.
On the other hand, Chase ranks third in actual customer service while Discover ranks first.