DISCOVER IT OR CHASE FREEDOM FOR RENT PAYMENT?

[Creditaddict]

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@thatoneguy28 wrote:

i just have the regular sapphire card but i could PC that at the 1 yr mark to the CSP

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if you have had a chase card for a year you might be able to bypass the usual 1 year wait for pc

[thatoneguy28]

the only dilemma im having on choosing is the potential higher credit line in the future.i have had my discover IT card for only 2 months now and i am coming up on a SP cli next month hopefully.i have only had my chase freedom card opened for 6 months now with a 3500 credit line.discover is only at 1500 right now.

[Anonymous]

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@Creditaddict wrote:

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@thatoneguy28 wrote:

i just have the regular sapphire card but i could PC that at the 1 yr mark to the CSP

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if you have had a chase card for a year you might be able to bypass the usual 1 year wait for pc

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True but the sign up bonus for the CSP might be worth the hp. 

[Craaaig]

same as TC. I always have this dilemma. I pay rent with a CC at no extra charge and rotate between my Chase Freedom and Discover (just to keep it active as it's my least used card).

[angelcred10]

Depends if you have a Chase Checking or not..

This makes me want to go ask about paying with my CC at the office.. bunch of greedy lot they are though

[Open123]

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@Anonymous wrote:

True but the sign up bonus for the CSP might be worth the hp. 

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+1

40K for paying rent, no brainer, in my view.  If your CRs can support it, cycling sign-up bonuses will yield you the highest return on spending.

If you're HP and new account sensitive, then go with 10% bonus on Freedom.  Use Discover if you redeem with their GC bonus, otherwise 1% is underwhelming.  If you're not HP or new account sensitive, but sign-up bonus averse, then go with Fid Amex 2% (or, JCP 3%, if available in your area).

[Open123]

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@thatoneguy28 wrote:

i just have the regular sapphire card but i could PC that at the 1 yr mark to the CSP

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Don't PC into the CSP.