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Chase Freedom Calendar v.s. Discover Calendar

Member

Chase Freedom Calendar v.s. Discover Calendar

The first quarter calendar for Chase Freedom and Discover both cover gas/grocery stores. I was wondering if their calendars will always have the same categories. Therefore no need to have both cards.

16 REPLIES 16
Established Contributor

Re: Chase Freedom & Discover Have the same 5% calendar?


@Penemonie wrote:

The first quarter calendar for Chase Freedom and Discover both cover gas/grocery stores. I was wondering if their calendars will always have the same categories. Therefore no need to have both cards.


Huh?  What are *you* smoking?  Neither Freedom nor Discover covers grocery in Q1.  

 

Both cover gas and ground transportation.  Discover also covers warehouse clubs, which is a differentiator.

 

Since Discover hasn't announced any of the rest of 2017, and Chase has only announced Q1 & Q2, it's impossible to say if there will be any more overlap this year.

 

Based on a quick analysis of the last five years (20 quarters), I see a substantial category overlap in about 9 quarters, so a little less that 50% overlap (though not complete overlap, as there are usually variations in what's covered).  Whether or not the overlap makes it worth having both cards, is YMMV.

 

FWIW, here's some history:

 

2017
Discover Card
Q1: Gas, Ground transport, and Wholesale clubs
Q2: ?
Q3: ?
Q4: ?

Chase Freedom
Q1: Gas Stations, Local Commuter Transportation (not including parking, tolls and Amtrak purchases)
Q2: Grocery (not including Walmart and Target), Drug Stores
Q3: Summer Fun
Q4: Holiday


2016
Discover Card
Q1: Gas & Ground Transportation (including car rental)
Q2: Restaurants & movies
Q3: Home Improvement Stores & Amazon.com
Q4: Department Stores, Amazon.com, Sam's Club

Chase Freedom
Q1: Gas Stations and Local Commuter transportation (not parking, tolls and Amtrak)
Q2: Grocery Stores (not including Walmart and Target) and Warehouse Clubs
Q3: Restaurants and Warehouse Clubs
Q4: Department Stores, Drug Stores and Warehouse Clubs


2015
Discover Card
1st Quarter - Gas & Ground Transportation (Car Rental, Taxi, Limo, Public Transport)
2nd Quarter - Food and Fun - Restaurant & Movies
3rd Quarter - Summer Spruce Up & More - Home Improvement Stores, Department Stores, and Amazon.com
4th Quarter - Holiday Shopping & More - Amazon, Department Stores, Clothing Stores

Chase Freedom
Q1: Grocery Stores (not including WalMart and Target), Starbucks, and Movie Theaters
Q2: Restaurants and more - Restaurants, Bed Bath Beyond, Overstock.com
Q3: Gas Stations and more - Gas Stations and Kohl's
Q4: Amazon.com, Zappos.com, audible.com, diapers.com


2014
Discover Card
1st Quarter - Restaurants and Movies
2nd Quarter - Home Improvement Stores, Furniture Stores, Bed Bath Beyond
3rd Quarter - Gas stations
4th Quarter - Online Purchases, Department Stores

Chase Freedom Card
1st Quarter - Gas stations, Movie theaters, Starbucks stores
2nd Quarter - Restaurants, Lowe's
3rd Quarter - Gas stations, Kohl's
4th Quarter - Amazon.com, Zappos.com, select department stores


2013
Chase Freedom:
Q1: Gas stations, Drugstores, Starbucks� stores
Q2: Restaurants, Movie theaters
Q3: Gas stations, Theme Parks, Kohl's�
Q4: Select department stores, Amazon.com

Discover:
Q1: Restaurants, Movies
Q2: Spring Style (shows a picture of a flower) Clothing and home improvement
Q3: Summer Fun (shows a picture of a gas pump handle) Gas stations
Q4: Holiday Shopping (shows a picture of a gift bow) Department stores, Amazon.com


2012
Chase Freedom:
Q1: Gas Stations, Amazon.com
Q2: Grocery Stores, *Movie Theatres
Q3: Gas Stations, Restaurants
Q4: Hotels, Airlines, *Bestbuy, *Kohls

Discover:
Q1: Gas Stations, Museums, Movies
Q2: Restaurants, *Movies
Q3: Gas, Movies, Theme Parks
Q4: Deparment Stores, All Online Shopping


2011
Chase Freedom:
Q1: Grocery stores, Drug
Q2: Home Improvement, Lawn and Garden, Home Furnishings
Q3: Airlines, Hotels, Auto Rentals, Gasoline
Q4: Dining, Department Stores, Movies, Charity

Discover:
Q1: Airlines, Hotels, Car Rental, Cruises, Restaurant $800
Q2: Home Improvement, Department Stores, Clothing Stores
Q3: Gas, Hotels, Movies, Theme Parks
Q4: Restaurants, Department Stores, Clothing Stores

 

Chris.

Message 2 of 17
Community Leader
Super Contributor

Re: Chase Freedom Calendar v.s. Discover Calendar

DiscoverIT 1stQtr covers Gas, Transport, Warehouse

DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 3 of 17
Community Leader
Super Contributor

Re: Chase Freedom Calendar v.s. Discover Calendar

2017 Discover
Jan-Mar - Gas, Local ground Transport, Warehouse
Apr-Jun - Restaurants & Movies
Jul-Sep - Home improvement & Amazon
Oct-Dec - Sam's, Amazon & Dept stores

DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 4 of 17
Established Contributor

Re: Chase Freedom Calendar v.s. Discover Calendar


@CreditInspired wrote:
2017 Discover
Jan-Mar - Gas, Local ground Transport, Warehouse
Apr-Jun - Restaurants & Movies
Jul-Sep - Home improvement & Amazon
Oct-Dec - Sam's, Amazon & Dept stores

 

Hey!  Where'd you get that?!

 

If true, then there is absolutely no overlap in Q2, and most likely none in Q3.  Q4 is likely to be some overlap, but we won't know for sure until Chase announces Q3&Q4.  Unless you have some inside information on Freedom, too! Smiley Wink

 

Chris.

Message 5 of 17
Moderator

Re: Chase Freedom Calendar v.s. Discover Calendar


@CreditInspired wrote:
2017 Discover
Jan-Mar - Gas, Local ground Transport, Warehouse
Apr-Jun - Restaurants & Movies
Jul-Sep - Home improvement & Amazon
Oct-Dec - Sam's, Amazon & Dept stores

You sure Q2-Q4 aren't from 2016?  Those are the exact same categories and as far as I know Discover has not released them publicly for 2017.

Message 6 of 17
Valued Contributor

Re: Chase Freedom & Discover Have the same 5% calendar?


@cpaynter wrote:

@Penemonie wrote:

The first quarter calendar for Chase Freedom and Discover both cover gas/grocery stores. I was wondering if their calendars will always have the same categories. Therefore no need to have both cards.


Huh?  What are *you* smoking?  Neither Freedom nor Discover covers grocery in Q1.  

 

Both cover gas and ground transportation.  Discover also covers warehouse clubs, which is a differentiator.

 

Since Discover hasn't announced any of the rest of 2017, and Chase has only announced Q1 & Q2, it's impossible to say if there will be any more overlap this year.

 

Based on a quick analysis of the last five years (20 quarters), I see a substantial category overlap in about 9 quarters, so a little less that 50% overlap (though not complete overlap, as there are usually variations in what's covered).  Whether or not the overlap makes it worth having both cards, is YMMV.

 

FWIW, here's some history:

 

2017
Discover Card
Q1: Gas, Ground transport, and Wholesale clubs
Q2: ?
Q3: ?
Q4: ?

Chase Freedom
Q1: Gas Stations, Local Commuter Transportation (not including parking, tolls and Amtrak purchases)
Q2: Grocery (not including Walmart and Target), Drug Stores
Q3: Summer Fun
Q4: Holiday


2016
Discover Card
Q1: Gas & Ground Transportation (including car rental)
Q2: Restaurants & movies
Q3: Home Improvement Stores & Amazon.com
Q4: Department Stores, Amazon.com, Sam's Club

Chase Freedom
Q1: Gas Stations and Local Commuter transportation (not parking, tolls and Amtrak)
Q2: Grocery Stores (not including Walmart and Target) and Warehouse Clubs
Q3: Restaurants and Warehouse Clubs
Q4: Department Stores, Drug Stores and Warehouse Clubs


2015
Discover Card
1st Quarter - Gas & Ground Transportation (Car Rental, Taxi, Limo, Public Transport)
2nd Quarter - Food and Fun - Restaurant & Movies
3rd Quarter - Summer Spruce Up & More - Home Improvement Stores, Department Stores, and Amazon.com
4th Quarter - Holiday Shopping & More - Amazon, Department Stores, Clothing Stores

Chase Freedom
Q1: Grocery Stores (not including WalMart and Target), Starbucks, and Movie Theaters
Q2: Restaurants and more - Restaurants, Bed Bath Beyond, Overstock.com
Q3: Gas Stations and more - Gas Stations and Kohl's
Q4: Amazon.com, Zappos.com, audible.com, diapers.com


2014
Discover Card
1st Quarter - Restaurants and Movies
2nd Quarter - Home Improvement Stores, Furniture Stores, Bed Bath Beyond
3rd Quarter - Gas stations
4th Quarter - Online Purchases, Department Stores

Chase Freedom Card
1st Quarter - Gas stations, Movie theaters, Starbucks stores
2nd Quarter - Restaurants, Lowe's
3rd Quarter - Gas stations, Kohl's
4th Quarter - Amazon.com, Zappos.com, select department stores


2013
Chase Freedom:
Q1: Gas stations, Drugstores, Starbucks� stores
Q2: Restaurants, Movie theaters
Q3: Gas stations, Theme Parks, Kohl's�
Q4: Select department stores, Amazon.com

Discover:
Q1: Restaurants, Movies
Q2: Spring Style (shows a picture of a flower) Clothing and home improvement
Q3: Summer Fun (shows a picture of a gas pump handle) Gas stations
Q4: Holiday Shopping (shows a picture of a gift bow) Department stores, Amazon.com


2012
Chase Freedom:
Q1: Gas Stations, Amazon.com
Q2: Grocery Stores, *Movie Theatres
Q3: Gas Stations, Restaurants
Q4: Hotels, Airlines, *Bestbuy, *Kohls

Discover:
Q1: Gas Stations, Museums, Movies
Q2: Restaurants, *Movies
Q3: Gas, Movies, Theme Parks
Q4: Deparment Stores, All Online Shopping


2011
Chase Freedom:
Q1: Grocery stores, Drug
Q2: Home Improvement, Lawn and Garden, Home Furnishings
Q3: Airlines, Hotels, Auto Rentals, Gasoline
Q4: Dining, Department Stores, Movies, Charity

Discover:
Q1: Airlines, Hotels, Car Rental, Cruises, Restaurant $800
Q2: Home Improvement, Department Stores, Clothing Stores
Q3: Gas, Hotels, Movies, Theme Parks
Q4: Restaurants, Department Stores, Clothing Stores

 

Chris.


Nice work!


Current Scores 3/2016 Equifax 676 Transunion 697 Experian 648 Goal Scores: 720's accross the board. Gardening Goal: 3/2017
Message 7 of 17
Frequent Contributor

Re: Chase Freedom Calendar v.s. Discover Calendar

I'm using Discover for Sam's Club and Freedom for gas [because of UR].  I'm pretty happy having both. 

Equifax [Citi] Score: 742; Experian [Amex] Score: 734; Transunion [Discover] Score: 729
Creditkarma scores Equifax 792 & Transunion 781
Barclay's Aviator Red -- $8,400; Discover It -- $16,500; US Bank Cash+ -- $7,500; Huntington Bank Voice -- $8,500; American Express Gold Charge Card; Chase Freedom -- $4,000; Barclay's Arrival+ $6,000; Chase Southwest Premier -- $16,000; Citi AA -- $5,500
Authorized User: Chase Freedom -- $6,500; American Express Blue Cash -- $3,500; Sam's Club Mastercard -- $6,000; CSP -- $9,000; Barclay's CashForward -- $5,000
Goal cards: Freedom Unlimited, Chase Sapphire Reserve, Chase Ink Plus
Message 8 of 17
Community Leader
Super Contributor

Re: Chase Freedom Calendar v.s. Discover Calendar

Oops Chris, I think you're right. I searched to find out where in the world I got that info. So it probably is 2016. So sorry for providing incorrect info 😫 on MyFICO

DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 9 of 17
Frequent Contributor

Re: Chase Freedom Calendar v.s. Discover Calendar

Personally it's already complex enough to keep up with credit cards and which date the statement they closes, having to keep up with ridiculous rotating schedules for an extra 2% (you can find a card with 3% in which ever category you use most) is too much. 

 

I'm with the people who believe it wont be long before they move to month to month rotating schedules along with requiring you remember to "add" the reward to your card each month, just so they can avoid actually paying most people the rewards they offered.

 

I want a card (that I can actually get) that gives 5% to 2 category's of your choice with no FTF and no Annual fee and the downsides being no bonus sign up and no intro apr reductions, hell even a super 20%> apr wouldn't bother me since the whole point is to never pay interest anyway.

 

My slightly related .02 cents

Starting Scores 8/24/14 FICO TU:507 EQ:500
Scores as of 1/1/2016 FICO TU:633 EQ: 622
Scores as of 1/1/2017 FICO TU:759 EX:693 EQ:694
Scores as of 1/1/2018 FICO TU: 751 EX: 739 EQ: 735
Scores as of 1/1/2019 FICO TU: 786 EX: 801 EQ: 796
Message 10 of 17
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