Very confused...

[zeusta20]

Also, you can redeem the points for travel through UR with the freedom too right? You just can't transfer points to another airline...is that correct?

[ryanbush]

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@zeusta20 wrote:
I guess I didn't understand the benefit because I know you can transfer from Freedom to the CSP, then to the airlines...but if that's the case, then you might as well just purchase whatever you were going to purchase with the freedom, with the CSP instead. At least that was my initial thought. But I guess if you earn 5x the rewards with the Freedom on certain categories, then it's worth it to use the freedom.

I think I'm just ONLY going to use my freedom for those 5x categories, and nothing else. Because other than the 5x rewards, there's nothing else the Freedom can do that the CSP doesn't.

Those who have used the combo, have you guys seen a big jump in your rewards points?

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Correct, only use the Freedom for the 5% categories. Everything else use the CSP for the 7% dividend.

[omskillet]

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@Anonymous wrote:

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@boomhower wrote:

Can't you transfer to airlines with the CSP?

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?   Freedom (no transfer to airlines);  CSP (transfer to airlines);  Freedom + CSP (transfer from Freedome to CSP then transfer to Airlines.)

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+Yes

[ryanbush]

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@zeusta20 wrote:
Also, you can redeem the points for travel through UR with the freedom too right? You just can't transfer points to another airline...is that correct?

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Even if you could you would be better off transfering the points to the CSP then using them as the CSP gets a 25% higher value on the points when redeemed for travel(.01 cent per point with freedom vs .0125 with the CSP).

[zeusta20]

Ok cool! I'm excited to use it now. Especially when gas is the category for that quarter. Because lord knows I but a sh** load of gas! Lol

Another question I did have, (sorry about all the questions)...lol. But, which is better/worth it??? Redeeming points for travel straight from the UR website, or do you get more out of it when you transfer to the airlines, THEN redeem the points?

[ryanbush]

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@zeusta20 wrote:
Ok cool! I'm excited to use it now. Especially when gas is the category for that quarter. Because lord knows I but a sh** load of gas! Lol

Another question I did have, (sorry about all the questions)...lol. But, which is better/worth it??? Redeeming points for travel straight from the UR website, or do you get more out of it when you transfer to the airlines, THEN redeem the points?

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Every different scenario is going to bring a different value to the points, most of the time you will find better value by transfering them to the partners...

I also buy a ton of gas, I plan to app for the Freedom card before gas comes back around! 

[zeusta20]

It's better to transfer? Really? Because I thought that if you redeem through UR, you get a 20% discount on the airline tickets?

[ryanbush]

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@zeusta20 wrote:
It's better to transfer? Really? Because I thought that if you redeem through UR, you get a 20% discount on the airline tickets?

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Correct but that still only makes the points worth 1.25 cents per.

I have booked tickets and got 3+ cents per by transfering to United and redeeming the points for award tickets.  It does take some time and searching, lots of trial and error on the award booking engines but it is easy to get 3-5 cents per point when booking for airfare.  I would never redeem my UR points for anything less than 2-2.5 cents each.

[CreditScholar]

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@bs6054 wrote:

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@zeusta20 wrote:
So that's basically the only difference is you can transfer to the airlines?

I mean, that's good. I'm not complaining. I was just confused because I didn't know you can redeem the points for other things other than cash, when it came to the Chase Freedom.

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The real power comes from having both, where the Freedom's earning power feeds the CSP, and the points then get transferred. 

Apologies to the Freedom lovers, but on its own, it's hardly an exceptional card, rotating 5% categories with a max of $300 back a year if you max out every quarter. (And maybe + 10% if you bank with them).

For grandfathered users, the old checking+Freedom+CSP was unmatched, but new customers cannot get this benefit.

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People are only grandfathered in for this year.

Starting next year everyone will be switched over to the new trifecta program, even if you were enrolled before the change. That means no more 10 points per transaction on your Freedom, but instead a 10% bonus on points earned which is handed out once per year.

[ryanbush]

Which means the Freedom can earn 1.1% bank on all purchases or 5.5% on the rotating categories.  It's an awesome companion for the CSP!