To those with both the Discover IT and Chase Freedom...

[SomeGuyNamedFred]

Why?

[Hockeyplayrr]

When I had both (closed the freedom). Chase had two quarters of 5% back on gas and only one overlapped with discover. That's why I had it.

[mongstradamus]

5% categories no AF cards are always nice to have.

[eddie84]

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@SomeGuyNamedFred wrote:

Why?

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Just because we can.   Nah, they don't have any AF so why not.

[Closingracer99]

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@eddie84 wrote:

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@SomeGuyNamedFred wrote:

Why?

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Just because we can.   Nah, they don't have any AF so why not.

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+1 

and the fact i do have a chase checking account so i get 10% more

Also my Discover CL is $1k and Chase freedom is $3,500. 

[AMTB]

because UR mall =\= DIscover Bonus shop

[H14]

Honestly I wanted another free fico score card, my discover will rarely be chosen over the freedom when they overlap. 

[hyprble]

I app'd for a bunch of cards when I was in college - my FirstUsa turned into Chase, and I had a regular Discover.  As my credit score got better, and I learned more (here) about the different rewards offerings I converted to IT and Freedom.

The short answer: I got both cards during a college spree and never closed them to keep my history

[DieGo2SHAE]

Discover: Free Fico, ShopDiscover, customer service, and the wonderful 5% cashback on everything online during the 4th quarter

Freedom: 10% bonus for checking, easy way to get around the $1500/quarter limit on the Discover since they do overlap so much (very useful during the 4th quarter particularly: $1500 for amazon through Freedom, $1500 for everything else through Discover), and it's a visa for when Discover isn't accepted

[bigblue7722]

Why both? Its america we always want more. Getting 5% back on restaurants btw the two for 6 months month total is the real reason for me. Sallie mae takes care of the amazon 5% and gas 5% all the time. No AF and depending on when you apply you can get a great sign up bonus.