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Doesn't the Freedom get annoying?

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itguy_65
Frequent Contributor

Re: Doesn't the Freedom get annoying?

It's much more annoying when Discover and Freedom have the same categories in the same quarter!  It does help, however, that Starbucks counts as a Restaurant on Freedom, as I found out from a post from a wonderful member here!

EQ (3/24/17): 820 TU (3/24/17): 799 EX (3/24/17): 806
Message 21 of 60
Anonymous
Not applicable

Re: Doesn't the Freedom get annoying?

The Freedom card and other rotating cards don't often cover any useful categories for me. Even when they have, one of my other cards usually has 5% for it anyway. I also don't like having cards that get used infrequently, every card I have now gets used multiple times per month.

Message 22 of 60
NRB525
Super Contributor

Re: Doesn't the Freedom get annoying?

I'm actually warming to it, finally, after finding out about the 10 points per swipe, 10% points bonus that I get for having a Chase Checking account also.

So on my $2.16 coffee charges at the work cafeteria, where it codes as Dining, I'm now getting 21 points. 21 cents instead of 10 cents, if I used Discover. It adds up!

 

I've started letting it be used for small dollar transactions, just to take advantage of the remaining time when the 10+10% remain.

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
Message 23 of 60
red259
Super Contributor

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

Its only four quarters. its really not that hard to keep up with. Love the x5 on restaurants and grocceries. Plus its no AF. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 24 of 60
Anonymous
Not applicable

Re: Doesn't the Freedom get annoying?

It's a great card.  You just have to check the top ones that you need to use for a few months.  Since I get their emails, I just keep those cards in my iPhone case & I'm good to go.

Message 25 of 60
Anonymous
Not applicable

Re: Doesn't the Freedom get annoying?

Discover Checking is 20c on every transaction right now. That $1 twix just became $.80
Message 26 of 60
Imperfectfuture
Super Contributor

Re: Doesn't the Freedom get annoying?


@Anonymous wrote:
Discover Checking is 20c on every transaction right now. That $1 twix just became $.80

Competitive, aren't they?

Signature needs updating
Message 27 of 60
Anonymous
Not applicable

Re: Doesn't the Freedom get annoying?

Gotta laugh at that one!  Smiley LOL

Message 28 of 60
Anonymous
Not applicable

Re: Doesn't the Freedom get annoying?


@Anonymous wrote:
Discover Checking is 20c on every transaction right now. That $1 twix just became $.80

20 cents? 10 cents is what Discover advertises. Do you know a secret that I don't, Nix? Smiley Happy

Message 29 of 60
Anonymous
Not applicable

Re: Doesn't the Freedom get annoying?

Don't you already have to be a Discover cardholder to qualify for the cashback checking?
Message 30 of 60
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