Doesn't the Freedom get annoying?

[thelethargicage]

Yes, rotating categories are annoying, and overall Chase's cards are overrated, IMO.

[kdm31091]

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@thelethargicage wrote:
Yes, rotating categories are annoying, and overall Chase's cards are overrated, IMO.

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I do find the Freedom overrated as a standalone card - I know a lot of people love it moreso because they transfer the points to CSP and all that. But on its own? IMO, Discover pretty easily trumps it. But this will depend on the individual.

[icyhot]

I do have the Delta Amex, just not the Gold. And I'm not flying Delta this time lol

[CreditJim]

Discover and Freedom have the same category this quarter. All of my dining so far has been going on my Discover. I have started using the categories lately when I remember to, but really the only reason I have the Freedom is to 'store' my CL with no AF so I can move it over to other potential Chase card in the future.

[Anonymous]

I like my Freedom just fine.

Beats the following...

[Anonymous]

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@Anonymous wrote:

Are you trying to set a record for number of threads started?  Maybe list all of your thoughts in one thread. :-)

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I just died. I would love to read the OP's diary.

In all seriousness, I actually love my Freedom. It's got a great limit and it's a Siggie. But from an objective standpoint, I also like it because the rotating categories really line up with my spending well. I've already used more than 1/2 of the card's $1500 category spending limit for this quarter since I eat at restaurants a lot. My Discover It is also getting some exercise, but not as much because some of the local restaurants don't accept Discover.

[Noctilum]

It's not annoying... just useless most of the time.  I only benefit from the 5% gas as other cards give me more for other purchases.  Well, I guess my CL is good at least.

[Anonymous]

OP, I'm sure Irish was jesting. Make all the threads you want, we'll answer them all!

I mostly agree with kdm. I vastly prefer Discover IT for the quarters, since Freedom decided to match its up with Discover and Discover's are broader. However, there are still places that don't take Discover, as I discovered today when I paid for dinner. If I hadn't had my Freedom, I would have had to drop down to a 3% card, rather than getting 5%

[Imperfectfuture]

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@Anonymous wrote:

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@Anonymous wrote:

Are you trying to set a record for number of threads started?  Maybe list all of your thoughts in one thread. :-)

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I just died. I would love to read the OP's diary.

In all seriousness, I actually love my Freedom. It's got a great limit and it's a Siggie. But from an objective standpoint, I also like it because the rotating categories really line up with my spending well. I've already used more than 1/2 of the card's $1500 category spending limit for this quarter since I eat at restaurants a lot. My Discover It is also getting some exercise, but not as much because some of the local restaurants don't accept Discover.

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Probably will stick with Freedom for this reason.   Many locals only accept visa/mc/cash.  I don't have a problem with Chase accruals.  If need to move for planned ink app in 2016, then will open discover.

[Callandra]

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@kdm31091 wrote:

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@thelethargicage wrote:
Yes, rotating categories are annoying, and overall Chase's cards are overrated, IMO.

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I do find the Freedom overrated as a standalone card - I know a lot of people love it moreso because they transfer the points to CSP and all that. But on its own? IMO, Discover pretty easily trumps it. But this will depend on the individual.

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Agreed -- if you have the CSP and use it for UR points, Freedom is pretty great because you transfer the points. Or if you find the 5% categories work for you. The only one I like is restaurants (right now); I have Sallie Mae for Amazon all year round, Sallie Mae for gas (I only fill up once a month at $25 so gas isn't a big deal for me anyway), and the rest of the categories are pretty useless to me (haven't been to the movies in years, hate Starbucks, rarely shop at department stores, etc.). Makes me wish I had Chase AARP for the year round 3% dining or a general spend card instead.