Chase Freedom and Discover IT have the SAME 5% cash back categories in Q2???

[bigbang91]

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@Anonymous wrote:

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@NRB525 wrote:

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@Anonymous wrote:

I plan to max out my bonus spend on McDonalds. $3K worth of Big Macs and sweet iced teas, here I come.

BTW one thing I noticed with Chase vs Discover is how flexible Discover is with WHERE you get your bonus cb. For example, with Discover, I get 5% gas at Sams Club even though their T&C specifically excludes warehouse stores... With Chase though, it seems like they're a stickler for what's in their T&C. The same Walmart where I get bonus grocery % using my BoA 123 card, I only get 1% with the Freedom.

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"Not including Walmart and Target" is in the headline disclosures on the Freedom Groceries category.

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It's possible I'm just horrible at getting my point across, but I don't think you read what I wrote carefully enough.

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Its because of the merchant's code.Visa recognized sam club walmart code,and send information to chase.those same merchants may register gheir code differently with discover,so it appears as grocery store.

[Themanwhocan]

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@bigbang91 wrote:

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@Anonymous wrote:

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@NRB525 wrote:

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@Anonymous wrote:

I plan to max out my bonus spend on McDonalds. $3K worth of Big Macs and sweet iced teas, here I come.

BTW one thing I noticed with Chase vs Discover is how flexible Discover is with WHERE you get your bonus cb. For example, with Discover, I get 5% gas at Sams Club even though their T&C specifically excludes warehouse stores... With Chase though, it seems like they're a stickler for what's in their T&C. The same Walmart where I get bonus grocery % using my BoA 123 card, I only get 1% with the Freedom.

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"Not including Walmart and Target" is in the headline disclosures on the Freedom Groceries category.

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It's possible I'm just horrible at getting my point across, but I don't think you read what I wrote carefully enough.

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Its because of the merchant's code.Visa recognized sam club walmart code,and send information to chase.those same merchants may register gheir code differently with discover,so it appears as grocery store.

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Bah! They're just copying NUSENDA's 5% rotating categories, which are the same this year as last year. Clearly they view NUSENDA as a major competitor.

Yeah, that must be it...

http://www.nmefcu.org/home/loans-and-credit/credit-cards

[Anonymous]

The power of WE!

[Anonymous]

So what qualifies as Restaurants in the Freedom cash back category?  McDonalds? Papa John's delivery?  The food truck downtown?

[Anonymous]

Technically all of those!

[Open123]

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@Anonymous wrote:
Technically all of those!

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Right, for Chase, any restaurant and even coffee shops all qualify for the 5% restaurant.

*Edited* - PS - Think Discover does too, but never verified.

[Anonymous]

We will be using Discover for the first $1500

[Open123]

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@Anonymous wrote:
We will be using Discover for the first $1500

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Sure, for 7% I would too!  I'm going to call Monday and see calling to lower the APR will result in this offer.

[bz386]

5% on the Freedom can be worth more than 7% on the Discover, if you pair the Freedom with a CSP and redeem for miles or hotel points.

[Open123]

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@bz386 wrote:
5% on the Freedom can be worth more than 7% on the Discover, if you pair the Freedom with a CSP and redeem for miles or hotel points.

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Sure, maybe, for the right redemption, but 7% cash is pretty darn hard to beat.