Chase Freedom or Freedom Unlimited

[Closingracer99]

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@driftless wrote:
I like the rotating categories for Freedom the current calendar is favorable for my spend. I am currently at 5/24 but even when I came out from under it at the end of this year I won't app for FU. While I greatly value UR's I have a QS and want to maintain Cap One as a second bank. Having two 1.5 cards would dilute my spend too much. A lot of great cards mentioned in this thread, it is good to have options.

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If you want to have another bank than go for another card that you want.... I wouldn't want to deal with Capital one nor do i feel the desire to take 3 HP's for one card. If you value UR  more than 1 point = 1 Cent than you're better off getting the FU than the QS. I would suggest going for the DC than with Citi?

[driftless]

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@Closingracer99 wrote:

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@driftless wrote:
I like the rotating categories for Freedom the current calendar is favorable for my spend. I am currently at 5/24 but even when I came out from under it at the end of this year I won't app for FU. While I greatly value UR's I have a QS and want to maintain Cap One as a second bank. Having two 1.5 cards would dilute my spend too much. A lot of great cards mentioned in this thread, it is good to have options.

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If you want to have another bank than go for another card that you want.... I wouldn't want to deal with Capital one nor do i feel the desire to take 3 HP's for one card. If you value UR  more than 1 point = 1 Cent than you're better off getting the FU than the QS. I would suggest going for the DC than with Citi?

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Thank you, I am happy with Cap One and those 3 HP's are history. I have a very healthy CL and Cap One has treated me very well over the years. While I very much value UR's I prefer to have more than one bank in my wallet. YMMV.

[Closingracer99]

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@driftless wrote:

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@Closingracer99 wrote:

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@driftless wrote:
I like the rotating categories for Freedom the current calendar is favorable for my spend. I am currently at 5/24 but even when I came out from under it at the end of this year I won't app for FU. While I greatly value UR's I have a QS and want to maintain Cap One as a second bank. Having two 1.5 cards would dilute my spend too much. A lot of great cards mentioned in this thread, it is good to have options.

---

If you want to have another bank than go for another card that you want.... I wouldn't want to deal with Capital one nor do i feel the desire to take 3 HP's for one card. If you value UR  more than 1 point = 1 Cent than you're better off getting the FU than the QS. I would suggest going for the DC than with Citi?

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Thank you, I am happy with Cap One and those 3 HP's are history. I have a very healthy CL and Cap One has treated me very well over the years. While I very much value UR's I prefer to have more than one bank in my wallet. YMMV.

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I have plenty of cards.... Just go look at my sig lol. Doesn't mean I will not app for a card that is the most beneficial because it happens to be with a bank that i already have 4 cards with or etc.... I primairly use my Citi cards but i have cards with BoA, Chase, Amex, Discover, Capital one and etc...   Capital one CLI's are pretty meager and the FU is a better card if you value UR points since you would get a better return than 1.5% CB or UR points.

[CatOfSpades]

I like the Freedom card better. I tried an Unlimited card for a month. With equal spending, the 5% categories give me a significant boost over a flat 1.5% and I am not a very big spender. Lately, I've been using my Double Cash more, though. Of course, you can always be crazy and grab up every card you can get your hands on.

[Imperfectfuture]

Okay, guys. Let's keep the machismo over cards and rewards to a minimum please. . Thanks.

[Anonymous]

I have all 3 it's a UR machine!

[Anonymous]

I would get both, if your credit can take the pulls and hit to aaoa. I have both, but having to wait out my current 5/24 status for the csp. I love being able to combine my points. I don't have a ton of spend. Having cards where I can combine points makes a big difference for me. I'll need to combine all 3 cards if I want enough to cover free flights once I have the csp. I

As far as categories go, I like having the 5%, but I don't maximize my rewards that way. My points mostly come from my freedom unlimited being used for almost everything else. When I use the 5%, it's great to have that extra amount to combine at a later time. Right now, the freedom has 5% back at restaurants. That's great for me cause I'm on vacation and I'm moving next month. Definitely using that category. After that tho, it's just simply another 1% card.

I'd say, if you're really interested in keeping the csp, go for both now or spread them out down the road. I apped for thr freedom unlimited about 5 months after my original freedom. Having all 3 will hit most type of spend, and if you have little points on one category, at least you can combine everything.