appbar1114 wrote:does the $3k min apply to the 5% cash back ?
Nope.
This is one reason why you may consider the Chase Freedom over the Discover More. The Freedom gives a flat 1%, no need to spend a ceratin amount to get it. This of course still depends on your specific spending habits. You may also consider getting both cards. While their 5% categories do overalp sometimes, having both cards presents no real negatives (neither card had an AF) and provides a good amount of flexibility. 
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