Chase Freedom PC to Flex question

[Anonymous]

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@Anonymous wrote:

I PC'd my CF to CFF. The 5% categories are the same, the CL stays the same, and for the most part the Chase offers are the same or similar. The difference is its a Mastercard. If you don't care about that, then the advantages of the card is the 3% categories. 

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Forgot to add the 5% cash back for travel. I wasn't much of a Chase portal fan for travel, but I just booked a trip yesterday and found the Chase portal to either match exactly the lowest price I usually can find or beat the lowest price on most, so the 5% cash back feature is worth a lot with the card. 

Just with that perk only, for me, I would PC the Freedom.

[xenon3030]

Costco accepts only Visa. How should this mastercard get used for the purchases to cover 5% cashback (paying by google pay is feasible but not sure whether it codes it correctly)?

[randomguy1]

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@xenon3030 wrote:

Costco accepts only Visa. How should this mastercard get used for the purchases to cover 5% cashback (paying by google pay is feasible but not sure whether it codes it correctly)?

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You can use a MasterCard at Costco online. If you wish to purchase in-store, purchase a 

Costco cash card to use in store. 

[fatcomic]

Sam's club accepts MC online and in-club.   There is another club here in some places called BJ's, I'm not sure what cards they accept it is too far away from me to consider joining.   

[xenon3030]

If I charge the costco cashcard with CFF (assuming it needs to get pre-charged in advance by CFF), does CFF code it correctly to receive 5% chashback?

[randomguy1]

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@xenon3030 wrote:

If I charge the costco cashcard with CFF (assuming it needs to get pre-charged in advance by CFF), does CFF code it correctly to receive 5% chashback?

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Assuming you bought it at Costco.com, I don't see why it would not. Other Chase cards code the shop you purchase their gift cards at correctly. 

[FalconSteve]

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@xenon3030 wrote:

I have Chase Freedom card for several years. Considering that this card is Visa and the new Flex card is Mastercard, I expect that product change may result chaning the account number. If it would be the case, it may result closing the old aged account and opening a new accont that may result credit score degradation.

Could somebody inform the consequences of this PC? Is there any downside? If it may hurt the credit report, I may keep the Freedom Visa Card and in future, I would apply for Flex Mastercard (but not PC).

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Despite the account number changing, you would keep the history (just like when you get a new card number if you lose your card)

The major downside is that you would lose the option to get the Freedom flex sign up bonus.

Also, you can't use the flex at Costco

[ChargedUp]

If you also have Freedom Unlimited, the new features of CFF are redundant. This is why I've chosen to leave my Freedom card as a Visa and Costco friendly.

[Anonymous]

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@ChargedUp wrote:

If you also have Freedom Unlimited, the new features of CFF are redundant. This is why I've chosen to leave my Freedom card as a Visa and Costco friendly.

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You have a million Costco-friendly Visas and other redundant cards. CFF is mostly an upgrade to the CF benefits.

[FalconSteve]

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@Anonymous wrote:

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@ChargedUp wrote:

If you also have Freedom Unlimited, the new features of CFF are redundant. This is why I've chosen to leave my Freedom card as a Visa and Costco friendly.

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You have a million Costco-friendly Visas and other redundant cards. CFF is mostly an upgrade to the CF benefits.

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The benefit of the Chase Freedom VISA is that you can use that 5% gas category (they seem to do this one quarter per year) at the gas pumps, which you can't do with the flex.