Only 3 cards... Which ones

[Anonymous]

Discover IT > Chase Freedom

Only place that one could argue Freedom is better is the initial sign up bonus. Although even there I would take double cash back with discover after one year over 150$ With 500 spend in three months with Chase. My freedom rides in the sock drawer until a category I want it for pops up, while discover is my daily driver.

if you do decide to get the discover IT have someone who has the card refer you. They get 50$ and so will you. Plus it may double, have yet to see anyone who can confirm that though,

[Anonymous]

CSP, Amex EDP, Discover IT.  The first two I don't have yet.  

That would give me a cash back card, a travel card and a points card.  It'd be a debate whether I would keep the Freedom along with the CSP or roll the limit into the new card.

At most I'll wind up with 4 cards anyway.  

[Closingracer99]

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@Anonymous wrote:

CSP, Amex EDP, Discover IT.  The first two I don't have yet.  

That would give me a cash back card, a travel card and a points card.  It'd be a debate whether I would keep the Freedom along with the CSP or roll the limit into the new card.

At most I'll wind up with 4 cards anyway.  

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The EDP Points isn't really that great unless your going to use it for travel and if you Value CSP ultimate reward points then the Freedom is way better then Discover. 

[Anonymous]

I would mix getting bonuses from time to time, and pair that with themanwhocan's charts to get a better idea of what best fits your spend

if you are a big spender there are better cards that do not have capped rewards.

sign on bonuses will help you jumpstart your rewards.  and many times folks dont spend 10k+ a year on cards so by then you are better off getting a sign on bonus than worrying about the rewards anyway.  just my 0.02.

[Anonymous]

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@Closingracer99 wrote:

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@Anonymous wrote:

CSP, Amex EDP, Discover IT.  The first two I don't have yet.  

That would give me a cash back card, a travel card and a points card.  It'd be a debate whether I would keep the Freedom along with the CSP or roll the limit into the new card.

At most I'll wind up with 4 cards anyway.  

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The EDP Points isn't really that great unless your going to use it for travel and if you Value CSP ultimate reward points then the Freedom is way better then Discover. 

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(agree but also)...again CSP/Freedom/UR are mostly valuable if your'e going to use for travel. Freedom as a standalone is mostly good for rotating categories and possibly some deals through the UR shopping portal. 

[Anonymous]

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@Anonymous wrote:

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@Closingracer99 wrote:

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@Anonymous wrote:

CSP, Amex EDP, Discover IT.  The first two I don't have yet.  

That would give me a cash back card, a travel card and a points card.  It'd be a debate whether I would keep the Freedom along with the CSP or roll the limit into the new card.

At most I'll wind up with 4 cards anyway.  

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The EDP Points isn't really that great unless your going to use it for travel and if you Value CSP ultimate reward points then the Freedom is way better then Discover. 

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(agree but also)...again CSP/Freedom/UR are mostly valuable if your'e going to use for travel. Freedom as a standalone is mostly good for rotating categories and possibly some deals through the UR shopping portal. 

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Discover has been doing a lot better cash back categories as of late.  If I had CSP, Freedom would be a keeper since the two work well together.  I do find Discover Deals the better portal for shopping than Chase UR mall.  5% through Apple Online (with DCB that's 10%) as opposed to an additional 2% on Chase mall. 

[Anonymous]

Which cards would be better?

[Anonymous]

Jfriend33... If you spend thousands a year on credit cards. I funnel all my spending through my rewards cards now

[Anonymous]

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@Anonymous wrote:
Jfriend33... If you spend thousands a year on credit cards. I funnel all my spending through my rewards cards now

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list your categories and estimates of how much u spend in those categories and we will give u some suggestions.  eg general spend, gas, groceries, dept stores, travel (air/hotel/ground transport), office supplies, utilities, dining, etc.