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Doesn't the Freedom get annoying?

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icyhot
Valued Contributor
‎04-25-2015 05:07 PM
‎04-25-2015 05:07 PM

Doesn't the Freedom get annoying?

Or any card that has "rotating" categories and not a set category with a set reward? I guess 5% is worth the additional attention but I don't think I could keep up. I just keep seeing everyone giving it rave reviews but that would give me a headache
Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
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Luscher
Valued Contributor
‎04-25-2015 05:07 PM
‎04-25-2015 05:07 PM

Re: Doesn't the Freedom get annoying?

Its a great card.
CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
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Anonymous
Not applicable
‎04-25-2015 05:09 PM
‎04-25-2015 05:09 PM

Re: Doesn't the Freedom get annoying?

@icyhot wrote:
Or any card that has "rotating" categories and not a set category with a set reward? I guess 5% is worth the additional attention but I don't think I could keep up. I just keep seeing everyone giving it rave reviews but that would give me a headache

"Rotating Categories" gives me a headache as well.  There are some cool ways to use the card with the CSP but I'm just not into it.

 

I never use the damn thing either although everybody loves it.

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kdm31091
Super Contributor
‎04-25-2015 05:10 PM
‎04-25-2015 05:10 PM

Re: Doesn't the Freedom get annoying?

@icyhot wrote:
Or any card that has "rotating" categories and not a set category with a set reward? I guess 5% is worth the additional attention but I don't think I could keep up. I just keep seeing everyone giving it rave reviews but that would give me a headache

I prefer Discover to Freedom only because Discover's categories are usually more broad -- home improvement vs just Lowe's or online shopping vs just Amazon. I always cite these examples haha.

 

It's not really a headache. It's not (IMO) a card you use as an "everyday spend" card. Simply use it when the categories fit your needs, and maybe you don't get much use out of it certain quarters. I don't find it a headache because most of the categories during the year are pretty broadly appealing. It's not like they do super niche categories generally. Who doesn't at some point benefit from gas, dining, movies, online shopping, etc? They're pretty decent categories.

 

So I like Discover's version of the concept better, but even the Freedom, no, it doesn't get annoying. You just have to appreciate it for what it is and what it isn't.

 

Having said that...if you don't want it, don't apply for it. Again, just because it's popular doesn't mean it will work for you. If you aren't sold, that's fine too. It's okay to have a differing perspective.

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Anonymous
Not applicable
‎04-25-2015 05:11 PM
‎04-25-2015 05:11 PM

Re: Doesn't the Freedom get annoying?

Are you trying to set a record for number of threads started?  Maybe list all of your thoughts in one thread. :-)

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sunkissed
Established Contributor
‎04-25-2015 05:12 PM
‎04-25-2015 05:12 PM

Re: Doesn't the Freedom get annoying?

No, it’s not annoying to me.  I also juggle lots of cards, which is also not annoying to me.  I find it very rewarding and worth the extra few seconds of thought used per purchase.

 

However, it’s not for everyone.  To each his own.  Do what works for you Smiley Wink

NFCU Flagship $32K | NFCU Cashrewards $42K | Discover IT $39K | SECU Visa $20K | Chase SW $24k | CSR $15K | Chase Bonvoy $11.5K | Chase Freedom $11.5K | Chase Amazon Visa 8.5K | AMEX Bonvoy $18.1K | AMEX Hilton Surpass $15K | AMEX Hilton Aspire $24.4K | AMEX Gold | Aviator Red $16K | Uber Visa 10k | Citi TY Premier $24.6K | BoA Premium Rewards 35k | BoA Cash Rewards Visa $31.5k | BoA Cash Rewards MC $23k | US Bank Cash+ $10k | USAA AMEX $6K | Cap1QS $11K | BJs MC $27.6K | Walmart MC $5.1K | Loft MC $25,000 | Macy’s Store/Amex $20K/$1K | BR Visa $10K | JCP $1K | VS $3.2K | Home Depot $5K | Lowes $8.5K | Target $14.5k
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icyhot
Valued Contributor
‎04-25-2015 05:14 PM
‎04-25-2015 05:14 PM

Re: Doesn't the Freedom get annoying?

I just like hearing people's opinions. This forum is my getaway from Twitter, where everyone I know shuns credit cards with brute force. I had nobody else to have these convos with until now :-/
Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
Message 7 of 60
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icyhot
Valued Contributor
‎04-25-2015 05:16 PM
‎04-25-2015 05:16 PM

Re: Doesn't the Freedom get annoying?

Plus I've been in and out of airports all day. Totally forgot I booked first class and didn't have to pay for a checked bag. My V1 needs rest
Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
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CreditJim
Established Contributor
‎04-25-2015 05:22 PM
‎04-25-2015 05:22 PM

Re: Doesn't the Freedom get annoying?

@icyhot wrote:
Plus I've been in and out of airports all day. Totally forgot I booked first class and didn't have to pay for a checked bag. My V1 needs rest

#humblebrag

Quicksilver 51k | Discover It $45k | Bonvoy Business $38k | Lowe's $35k | Costco $33.5k | SWACU $30k | Ink Preferred $28k | USAA Rewards $25k | Ink Cash $22.5k | Ink Preferred $22k | Amex Blue Business Plus $17k | Freedom Flex $16k | Freedom $14k | CSR $10k | Amazon Store $10k | Amazon Business $3k | REI $3k
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NRB525
Super Contributor
‎04-25-2015 05:45 PM
‎04-25-2015 05:45 PM

Re: Doesn't the Freedom get annoying?

@CreditJim wrote:
@icyhot wrote:
Plus I've been in and out of airports all day. Totally forgot I booked first class and didn't have to pay for a checked bag. My V1 needs rest

#humblebrag

lol

If you had a Delta AMEX, you wouldn't have to pay first class to not have to pay for a checked bag. Just a thought Smiley Happy

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
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