Freedom Unlimited or Double Cash

[zerbherb]

Need to get a $1700 lens and need zero apr

Double cash or Freedom uNlimited

Score 726 or so across the board

Cards

csp 5k

discover 2k

amex ed 3500k

income 20k

[NRB525]

Freedom Unlimited.

The 15,000 UR point bonus will roll nicely into your CSP hopper, along with all those 1.5 UR points on purchases.

[Anonymous]

I personally get way more value out of 1.5 UR's than 2% cash back and I see that you have CSP so I would recommend FU but I guess it depends on how you use your points and if you're good to go on the 5/24 (you would definitely me in the minority )

[zerbherb]

Am i good for the 5/24 does the PRG count in that? Look at my profile totally forgot.

[Anonymous]

With an income of $20,000, realize that you will most likely get a small starting limit on either card. It may or may not be sufficient to cover your purchase.

Even if you were to get a 2k-3k staring limit (which is in line with your income and your other cards), you would be maxing the card out or close to it if you put that large purchase on the card with that limit.

[Anonymous]

Freedom Unlimited if you are savvy with Ultimate Rewards, 1.5% turns into 2%+ many times. 

If not then just go Double Cash. 

[zerbherb]

theres always that chance. in which case. I get 15000 ur points either way and just do the purchase on another card. then close the Freedom unlimited and transfer the limit to my csp.

[Anonymous]

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@zerbherb wrote:

theres always that chance. in which case. I get 15000 ur points either way and just do the purchase on another card. then close the Freedom unlimited and transfer the limit to my csp.

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Remember that the ability to move a credit line with Chase from a brand newly opened card is not a guarantee.

[zerbherb]

my hard work with credit paid of so far. i mean i have the csp at 21 years old i did something right. Will continue too.

[Anonymous]

Sounds like you have all the answers then. I wish you luck.