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Chase Freedom Unlimited or Amazon Visa?

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ptatohed
Valued Contributor

Re: Chase Freedom Unlimited or Amazon Visa?

My Chase Amazon physical card is filed away too but I had to dig it out when it had an extra 10% on gas last year!  

 

https://www.chase.com/mybonus   

5% CB rotating: ;
Everyday 3% CB: ;
Everyday 5%: ;
Companion Card: ;
Everyday 2.2% CB: ;
Retired to sock drawer after AOD (kept alive w/ 1 purchase every 6 mo): ;
On my radar: ;
Still Waiting for an Invite: ;
No hope:
Message 11 of 13
nytokyobred79
Valued Contributor

Re: Chase Freedom Unlimited or Amazon Visa?


@TimFlorida wrote:

I got both those cards at different times in my credit journey.  I never cracked 5k limit with the Unlimited.  My Chase Amazon Prime was close to 10k SL and I moved CL from another Chase card to get it to 10k.  I don't know if the Unlimited is a Signature card if you have a higher CL or not,  but my Prime card is a Visa Signature and is a Flexible Spending Limit card.  It has no FTF.  The Prime card seems to me to be a higher-end card but I'm open to others telling me why it isn't.  This is not taking UR system into account.


The CFU can be a signature depending on the cli at that time. When I got the CFU, it was approved as Signature due to the sl being over 10K. So yes, it's very possible to get that as a VISA Signature. . 

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $205, 500 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
(pc'd from SkyMiles Platinum back to Blue)
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20K | CL- $39K
Cap 1 Venture Rewards- SL $10K | CL $ 20.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $36.8K
BOA Unlimited Cash SL: $20.8K| CL $10.8K(moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Everyday SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
Message 12 of 13
CreditMarathoner
Frequent Contributor

Re: Chase Freedom Unlimited or Amazon Visa?

I have both the Amazon and the CFU (and a CSP).  Both are great cards.  There's no annual fee on either so there's no harm in just keeping them.  If it's wallet space you're concerned about, take the Amazon card out and stick it in your sock drawer and just use it on Amazon.

 

If you don't use Amazon Prime or shop at Whole Foods, it might not be as worthwhile to keep the Amazon card.

 

CFU and CFF are nice when paired with a CSP or CSR so you can get increased value for the UR points for travel.  Amazon is strictly a cash back card.  You can get higher rewards elsewhere if you're looking for a non-category based cashback card.

 

If you're dead set on closing one, pick which one gives you the best value/rewards for your spend and keep that one, and close the other.  Or close both and get something else.  Up to you.

    
Open Tradelines: 4 Revolvers, 1 Mortgage / Garden Start Date: 10/1/2021 / Garden Goal: don't have one right now
TCL: $26,500 / AAoA: 8y6m / AoYA: 1y5m / Inqs: 1EX 0TU 1EQ / FICO8 Feb 2023: 848(TU) 843(EX)
Message 13 of 13
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