AMEX BCE vs Discover IT vs Chase Freedom

[myjourney]

Guess I'll hangout in this thread

Naughty 

Nice 

[CredittotheMax]

I have all three and since I'm a commuter college student, my bills are usually made up of 80% gas and 20% grocery. So, which ever one between the It and freedom have gas, I use for that quarter. If not, I use my BCE for the 2% and grocery.

[Swapmeet]

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@unc0mm0n1 wrote:

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@Swapmeet wrote:

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@unc0mm0n1 wrote:

I don't think that a lot of people read the OP. He's asking about the BCE vs IT vs Freedom. Clearly the BCP is better than two no fee cards but that's not his question. OP, we'd have to know more about your spending pattern, whether you value points over cash and what other cards you have. I have all three cards you listed and I use my freedom the most. I hardly ever use my discover unless there is some crazy deal in shop discover, but I value points more than cash back and I can combine my freedom points with my CSP. I only use my BCE for groceries. I may upgrade to a BCP soon.

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I am not sure that YOU read the OP. He asked which card all of us use the most, and why. So we don't need to know anything about the OP's life. I use the freedom the most because I don't buy a lot of groceries.....I use discover on any 5% categories, but I use the freedom the most because it has been more beneficial to my lifestyle.

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That is not what he asked. I'll repost the OP since you didn't understand it.

AMEX BCE vs Discover IT vs Chase Freedom

Options

‎12-20-2013 09:21 PM

Which one of these cards do you guys utilize the most and why?

He didn't say which card do you use the most. He said which one of these cards do you use the most, clearly refering to the three cards above. Also in refrence to the BCP, I should have been more clear. Posters were saying how they get a ton of cash back on gas and groceries using the BCP. I was saying the BCP should perform better in those catergories because you're paying for it. Clearly it depends on your spending habits but that's why I asked for his. 

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lol.

[Swapmeet]

Which one of these cards do you guys utilize the most and why?

He didn't say which card do you use the most. He said which one of these cards do you use the most, clearly refering to the three cards above. Also in refrence to the BCP, I should have been more clear. Posters were saying how they get a ton of cash back on gas and groceries using the BCP. I was saying the BCP should perform better in those catergories because you're paying for it. Clearly it depends on your spending habits but that's why I asked for his. 

[unc0mm0n1]

I know it's semantics and silly. You riled up the lawyer in me. I forgot regular people don't parse every single word written. Thanks for being a good sport. 

[stevenngu92]

I use my freedom the most. It would be my amex if shops around my area accepted them (they rarely accept discover too).

[unc0mm0n1]

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@stevenngu92 wrote:

I use my freedom the most. It would be my amex if shops around my area accepted them (they rarely accept discover too).

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 I was really worried about this as well but I haven't run into a place by my home (I live near Boston) or by my parents home (in Chicago) that didn't take Amex or Discover. Do you live in or near a city? 

[jaraico]

have bce and freedom

i didnt get discover since like amex it isnt widely excepted, but its not amex lol but the new fico scoring is cool but in CA people dont pull TU too much for me

anywho....

bce is awesome for groceries and gas, i feel safer using it online. so i definitely use it more. if you could only have one from the above three always go with amex but have a back up visa when its not accepted. the back dating and customer service is outstanding plus 3x cli!

[samm90]

Where I live, everyone takes discover so if they don't take amex I use discover. Otherwise I bust out visa. Other than that I use whichever card has the best bonus for the purchase.

[cottoncrown]

My preference is BCE, then Discover, and last freedom. I find the rotating categories annoying and for the discover cashback there is a 50$ which seems to take a long time for me. The mobile app for discover is amazing though and I also like the cash over feature at the grocery store. They also have good CSR when I have talked I them. I don't like the chase mobile app and when I have called to talk to the CSR I wasn't too impressed either. Amex is great all around I have been very impressed. The downfall of amex is when I leave the city, not many places take it. I find discover is accepted more in smaller cities.
I think if I had to choose one, I couldn't, because that would mean freedom just based on acceptability. I choose all three. Why not.

[Platinum]

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@megaman1 wrote:

Which one of these cards do you guys utilize the most and why?

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Chase Freedom in 2014 because they put gas stations purchases in 2 quarters for 5% cash back.