Everyone keeps talking about Chase Sapphire Preferred and Freedom

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Postby mdl28 » Sun Nov 17, 2013 6:50 pm

I have all 3. All have different perks. Customer service on CSP is hard to beat. That's with putting Amex Gold in the mix. I like my CSP and Freedom but use my Amex Gold daily.

Amex Gold Prem'r
Amex BCP
Amex Green
Barclays Ring Platinum MasterCard
Citi Diamond Pref'd
Chase Sapphire Pref'd Visa Signature
Chase Freedom MasterCard
Discover It
New York Life Visa Signature

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Postby Dylan1982 » Sun Nov 17, 2013 10:28 pm

djrez4 wrote:It was modified - the old trifecta got you 10 points and a 10% bonus on each transaction with Freedom. I'm still grandfathered into that plan. The new plan, into which current applicants fall and some old cardholders have been transitioned, provides a 10% end-of-year bonus that works like the 7% CSP bonus and eliminates the per-transaction bonus.

But, you've reminded me that my Freedom has uses other than bonus categories. The trifecta math says that even on restaurants, the Freedom wins for transactions under $10:

CSP - $10 x 2.14 = 21.4 UR points
Freedom - $10 x 1.1 + 10 UR points = 21 UR points

CSP - $9 x 2.14 = 19.26 UR Points
Freedom - $9 x 1.1 + 10 UR points = 19.9 UR points

I'm not 100% sure how Chase rounds, but I believe they keep the decimals until the end of the month and round the sum total of all transactions.

I have a Freedom card. If I were to get a Chase acct for my banking, I then could qualify for the "trifecta"

I have been thinking of switching from the bank that I use now to Chase.
Chase Freedom - $12,500 (2/2013)
GM Card - $7,700 (7/2002)
CitiBank (Thank You Preferred) - $6,400 (6/2012)
CitiBank (Diamond Preferred) - $4,600 (6/2012)
Rogers & Hollands - $3,300 (3/2006)
Target REDcard - $3,000 (11/2014)
BestBuy - $1,600 (9/2003)
Discount Tires - $1,000 (2/2004)
Kohl's - $300 (4/2012)

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Postby RewardHop » Mon Nov 18, 2013 12:09 am

Dylan1982 wrote:I have a Freedom card. If I were to get a Chase acct for my banking, I then could qualify for the "trifecta"

I have been thinking of switching from the bank that I use now to Chase.

Nope, its been long discontinued for new customers. Read up earlier in the thread.
Amex BCE: 3% grocery, 2% gas
Bank of America Better Balance Rewards MC: $25/quarter bonus
Barclaycard Rewards Visa Signature: 2% gas, groceries, utilities
Capital One Quicksilver Visa Signature: 1.5% everything
Chase Freedom Visa Signature: 5% rotating
Citi Forward Visa: 5% restaurants/fastfood, movie theaters, amazon.com
Discover It: 5% rotating
SallieMae MC: 5% Groceries, Gas, Amazon
US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
Sock Drawered: Chase Sapphire, Chase Amazon[/size]

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Postby djrez4 » Tue Jan 21, 2014 2:18 pm

Still getting 10/10!

[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]

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Postby MemberSince99 » Tue Jan 21, 2014 4:03 pm

I wish I could have gotten on the bandwagon. Somehow I think eventually they will kill it off.

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Postby jakebosnia » Mon Jan 27, 2014 11:32 pm

GoCreditGo! wrote:Thanks for the advice. I don't do much in the way of traveling and eating out, so I need to look in to your strategy.

If you don't travel or restaurants often, then the Sapphire preferred shouldn't even be an option. Freedom is much better. I have both, because CSP is perfect for me, and Freedom has no AF and is really good also.

The Barclay Arrival may work for you if you do some travelling each year, but if not, stick with Freedom.

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