Credit Card Forum
+ Reply to Thread
Page 1 of 2 1 2 LastLast
 
  1. #1
    Centurion Member
    Join Date
    Dec 2012
    Location
    Bay Area
    Posts
    102

    Default freedom for next card or other alternative?

    I think im pretty set on adding a freedom to my wallet since I can pair the 5% cash back with the cash back i get from my BCE. Does anyone have a suggestion for better card that I am not seeing?

    I like cash back, but I wouldnt be opposed to a points card that has the option to redeem for cash back or giftcards.
    (01/10) - Wells Fargo VISA Platinum
    (10/12) - Amex BCE
    (02/13) - Chase Freedom VISA
    (09/13) - Discover It
    (03/14) - Sallie Mae WMC

    Sock Drawer:
    (05/10) - Chevron GEMB
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  2. #2
    Centurion Member
    Join Date
    Oct 2012
    Location
    NY
    Posts
    796

    Default

    IMO, the Discover IT is better than Freedom. Both 5% rotators, but there is nothing better than ShopDiscover for online shopping.

    Here is my personal order for rewards cards:

    1. PenFed Platinum Rewards
    2. Discover IT
    3. Citi Forward
    4. Amex BCP
    5. US Bank Cash+
    6. Chase Freedom
    7. Citi Dividend
    8. Amex BCE
    Credit Cards
    Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

    Not Used
    Citi Simplicity - 5K, Sam's Club Discover - 10K

    Future Cards
    Sallie Mae World Mastercard

    FICOs
    Exp 772 - TU 781 - Equ 781
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  3. #3
    Centurion Member Calipso's Avatar
    Join Date
    Oct 2012
    Location
    Boston
    Posts
    196

    Default

    Quote Originally Posted by cashback View Post
    IMO, the Discover IT is better than Freedom. Both 5% rotators, but there is nothing better than ShopDiscover for online shopping.

    Here is my personal order for rewards cards:

    1. PenFed Platinum Rewards
    2. Discover IT
    3. Citi Forward
    4. Amex BCP
    5. US Bank Cash+
    6. Chase Freedom
    7. Citi Dividend
    8. Amex BCE
    To each their own. I like Chase Freedom better because I can transfer points to Chase Sapphire and then use the points for United or Southwest.
    My Limits:
    NFCU NavCheck: $15,000/NFCU Platinum: $11,500/NFCU nRewards: $8,000
    Chase Freedom: $6,500/Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/United MileagePlus Explorer: $5,000/Southwest Primier: $3,000
    Citi Hilton HHonors: $9,700/Citi Simplicity: $8,200/Citi Forward: $5,500
    AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Everyday: $5,000/AMEX Delta Skymiles Platinum: $3,400
    Discover IT: $7,700
    Barclay's NFL Extra Points (Carolina Panthers): $5,000
    DCU Platinum: $3,000
    RTN FCU CC: $2,000
    CCCU Platinum Rewards Visa: $2,000

    Current total limit: $129,500
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  4. Centurion Member
    Join Date
    Jan 2013
    Location
    United States
    Posts
    527

    Default

    The Chase Freedom card came today. It's a Mastercard since the Slate it replaced was one as well. This will be my first cash back product and spending by categories. Unless something better comes along, I think the Discover IT will be the next card in a month.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  5. #5
    Centurion Member
    Join Date
    Jul 2011
    Location
    New York
    Posts
    1,341

    Default

    Both Chase Freedom and Discover It are good cards, I'd give the edge to Chase for Ultimate Rewards.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  6. #6
    Centurion Member
    Join Date
    Jun 2011
    Location
    Down South
    Posts
    1,587

    Default

    Quote Originally Posted by cashback View Post
    IMO, the Discover IT is better than Freedom. Both 5% rotators, but there is nothing better than ShopDiscover for online shopping.

    Here is my personal order for rewards cards:

    1. PenFed Platinum Rewards
    2. Discover IT
    3. Citi Forward
    4. Amex BCP
    5. US Bank Cash+
    6. Chase Freedom
    7. Citi Dividend
    8. Amex BCE
    My rank would be:

    1. Penfed Platinum Rewards
    2. Amex BCP
    3. US Bank Cash +
    4. Citi Forward
    5. Discover IT
    6. Chase Freedom
    7. Bank of America 123
    8. Discover Miles
    Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
    Plane tickets: CSP
    Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
    Clothes: Express, Amex BCP, Discover IT
    Amazon: Citi Forward, Cash +
    Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
    Hotels and other travel: Discover Escape, CSP
    Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
    Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
    Balance transfers: Kroger 123 rewards
    Bill Pay: Chase Ink Plus, Citi Forward
    Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  7. #7
    Centurion Member
    Join Date
    Jun 2011
    Location
    Down South
    Posts
    1,587

    Default

    Quote Originally Posted by DavidNY View Post
    Both Chase Freedom and Discover It are good cards, I'd give the edge to Chase for Ultimate Rewards.
    They have a host of retailers. They have most of what you might want. Plus ,they have easy and rewarding redemptions. It's a fantastic card.
    Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
    Plane tickets: CSP
    Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
    Clothes: Express, Amex BCP, Discover IT
    Amazon: Citi Forward, Cash +
    Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
    Hotels and other travel: Discover Escape, CSP
    Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
    Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
    Balance transfers: Kroger 123 rewards
    Bill Pay: Chase Ink Plus, Citi Forward
    Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  8. Platinum Member
    Join Date
    Dec 2012
    Location
    Clark, NJ
    Posts
    83

    Default

    I see a lot of love for the PenFed card.

    If BCP was unlimited on groceries (now capped at 6K), would PenFed still be the winner since there is no annual fee and 5 points on gas (versus 3 for BCP) ?
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  9. #9
    Centurion Member
    Join Date
    Jul 2011
    Location
    New York
    Posts
    1,341

    Default

    Quote Originally Posted by Randiesel75 View Post
    would PenFed still be the winner since there is no annual fee and 5 points on gas
    For cash back on gas I think that would be the winner.

    The no-fee Sallie Mae MC has 5% off $250/month on groceries, $250/month on gas and $750/month on bookstores such as Amazon.

    The winner depends on where you use your card.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  10. #10
    Centurion Member
    Join Date
    Oct 2012
    Location
    NY
    Posts
    796

    Default

    Quote Originally Posted by Randiesel75 View Post
    I see a lot of love for the PenFed card.

    If BCP was unlimited on groceries (now capped at 6K), would PenFed still be the winner since there is no annual fee and 5 points on gas (versus 3 for BCP) ?
    Uncapped BCP is the best card out there with the gift card potential. Capped BCP is just a 4.75% grocery card.
    Credit Cards
    Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

    Not Used
    Citi Simplicity - 5K, Sam's Club Discover - 10K

    Future Cards
    Sallie Mae World Mastercard

    FICOs
    Exp 772 - TU 781 - Equ 781
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

+ Reply to Thread
Page 1 of 2 1 2 LastLast
 
These forum posts are not provided or commissioned by the bank advertiser. Posts have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
Advertiser Disclosure: The credit card offers that appear on this site are from credit card issuers from which CreditCardForum.com receives compensation. This compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. CreditCardForum.com does not include all credit card offers that might be available to consumers in the marketplace.