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Is it really worth it?

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Frequent Contributor

Is it really worth it?

Hey guys, so I have the Chase Freedom and Reserve but was thinking about opening up the Freedom Unlimited when I go 5/24, however the Business Cash Ink has 2% on dining and gas, and I could always PC the Reserve to the Freedom Unlimited, of course without bonus. I also checked my credit score from EX and it finally went up from 720 to 734, I guess because of AAoA, its now 2 years, oldest is 5. Should I get another card or just do nothing and get the Cash Ink as it doesn't show up on personal? Is it worth the hard pull waiting for that long? Thanks!
Valued Contributor

Re: Is it really worth it?

Reserve... I assume you mean the CSR and not the JPMR.


As for the business cards, you should recognize the difference in liability protections vs. personal cards. If the $450 af isn't worth it to you, you could PC to CSP or CFU, or you could close and roll your CL into your CF.


If you're sold on 2% dining and gas, get the Disco IT Chrome. There are dozens of other cards that offer 3-4% on dining or gas as well. Per my siggy, I get 4% on dining and 3.3% on gas, sans AF.

TU FICO 8: 741 (7/19) — Ex FICO 8: 739 (7/19) — Opinions are my own and not the views of my employer
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