@kdm31091 wrote:Correct me if I'm wrong, but the straight cash back value of the UR points is idential to 1% on the Freedom which is the same as Discover.
I don't know why people always say the Chase solution is better because for travel, yes it absolutely is, but for straight cash it seems to be exactly the same redemption value. If you do have a CSP and freedom, you would gain more points/therefore cash with restaurants which you could then cash out, but you'd have to eat out a lot to cancel out the 95 dollar fee I would think.
If its pure cash back then yes discover and freedom are the same, but i was talking for travel purposes using UR to trasnfer to airlines, you will get around 2 CPP value instead of 1 CPP.
@mongstradamus wrote:
@Closingracer99 wrote:
@Anonymous wrote:
One rotating categories card is enough <<<<<<< Between the two I prefer DiscoverI like discover but with their Stingy limit i SD it most of the time
For me i prefer freedom when they share categories because of the flexibility if i want to use UR points for travel, i do like having discover for shopdiscover they have some pretty good deals.
I prefer freedom as well since I als have the csp. But as much as I like discover I won't use it with a $1,500 limit lol
@kdm31091 wrote:Correct me if I'm wrong, but the straight cash back value of the UR points is idential to 1% on the Freedom which is the same as Discover.
I don't know why people always say the Chase solution is better because for travel, yes it absolutely is, but for straight cash it seems to be exactly the same redemption value. If you do have a CSP and freedom, you would gain more points/therefore cash with restaurants which you could then cash out, but you'd have to eat out a lot to cancel out the 95 dollar fee I would think.
Yes but you can transfer to the csp where you can't with discover . Personally I also rather earn points in one then in 5 different ones since I am already using 3-5 cards regularly
It's nice to redeem anytime, but in practice how often would you redeem for less than 25 anyway? I agree the policy on double cash of having to wait until 25 is silly but it also would seem silly to redeem for say an 8 dollar statement credit. Lol 
@Closingracer99 wrote:
@mongstradamus wrote:
@Closingracer99 wrote:
@Anonymous wrote:
One rotating categories card is enough <<<<<<< Between the two I prefer DiscoverI like discover but with their Stingy limit i SD it most of the time
For me i prefer freedom when they share categories because of the flexibility if i want to use UR points for travel, i do like having discover for shopdiscover they have some pretty good deals.
I prefer freedom as well since I als have the csp. But as much as I like discover I won't use it with a $1,500 limit lol
I had that problem before with my IT luckily was able to get few SP cli from discover this year so its an bit over 5000 now one of my lower CL cards but its definately usable now though!!