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These two rewards cards seem to have a similar structure, with the Chase having the upper hand with the higher caps on 5% categories and the general cashback of 1% straight.
Aside from that, what is your experience with these two cards. Do you have one or both? What is your favorite? Does the Chase win hands down or are there certain features that make the Discover more desirable in some situations?
I've had the More for about a year and just got a Freedom, so I am curious to hear about your experience.
discover is 1% cashback on everything else after you spend $3,000 annually until that threshold is met its only 0.25% versus chase where its 1% on everything else no matter what no thresholds to meet. I think discovers caps are much lower than chases also, and the 1% cashback is excluded from warehouse clubs like sams club or costco it will only be 0.25% on those no matter what.
I have to agree that the rewards structure for Freedom tops the More card as mentioned above. In my situation the Freedom is superior because it has
In some instances, the More card will allow a cli request without a hard pull and based on what I have read, Freedom will require a hard pull for customer initiated cli. Just my take on this cards. Congrats on your approval.
also a sidenote if you are a chase checking customer you get more rewards. 10 points for every purchase you make no matter the amount and 10% extra cashback on top of the 1% you are earning. example 2,500 points=$25 cashback. you spend $50, 50 points from 1%+ 10 points for transaction+ 5 points for extra 10% = 65 points vs traditional 1% cards where you would only be earning 50 points. It can add up over time i suppose.
I have both ccs and I like both of them. I also have Checking and Saving acct with Chase.
So, you just need to calculate ~
* I will not spend no more than cap amount on More.
* if I am going to spend more than a cap, I will use Freedom, then I will earn 1% + 10% Bonus + 10 pts/transaction.
@Anonymous wrote:I have both ccs and I like both of them. I also have Checking and Saving acct with Chase.
- Redeeming wise ... More is better.
Can you explain this? How so?
Yes, there is a minimum amount for Discover More. For a lot of purposes (like direct deposit or statement credit) I think it's even $50.
Freedom > More any day...
@wollepopolle wrote:These two rewards cards seem to have a similar structure, with the Chase having the upper hand with the higher caps on 5% categories and the general cashback of 1% straight.
Aside from that, what is your experience with these two cards. Do you have one or both? What is your favorite? Does the Chase win hands down or are there certain features that make the Discover more desirable in some situations?
I've had the More for about a year and just got a Freedom, so I am curious to hear about your experience.
I have and like both cards. I like the Cashover feature with Discover More, and I like the BluePrint feature with Chase. Both features are appealing to me. Plus, I get to switch back and forth using the cards when the categories changes.