What am I missing with Freedom and Discover it?

[fot1]

I have seen quite a few times where someone on here will list having the Freedom card and others will suggest adding the It card, or vice versa.. Outside of heavy spenders who go over the quarter caps, I don't see the point..Am I missing something? Please note I am not hating on either card, just genuinely curious.

[mongstradamus]

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@fot1 wrote:

I have seen quite a few times where someone on here will list having the Freedom card and others will suggest adding the It card, or vice versa.. Outside of heavy spenders who go over the quarter caps, I don't see the point..Am I missing something? Please note I am not hating on either card, just genuinely curious.

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I think they are fairly easy to get having 5% off gas for half the year is nice. Also 4th quarter its nice for online shopping for Christmas shopping.those things alone are pretty nice.that doesn't take into account you can use 5% from freedom to combine with CSP if you have that card 

[edcb]

Actually, for a bulk of my purchasing I try to use my Cap1 Quicksilver.... 1.5% cash back on everything and .5% more than the standard reward on my Freedom.

But, I use my Freedom frequently because I have a higher limit and with ony 1k in Quicksilver I have to switch over at different times.  I always use it for bonus categories...and even if not getting 5% on bonus categories I know in the back of my mind that at the end of the year I get an additional 10% cash back for being a chase checking customer...making it a better deal than my journey at only 1%.  And building a relationship with Chase is worth it if there are not better options but only those that are equal.

[maiden_girl]

Because each company offers different rotating categories that may appeal to consumers differently. Chase may be offering gas first quarter but Discover is offering Restaurants first quarter. You'll more likely to use Chase because gas is essential to transportation.

[fot1]

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@maiden_girl wrote:

Because each company offers different rotating categories that may appeal to consumers differently. Chase may be offering gas first quarter but Discover is offering Resturants first quarter. You'll more likely to use Chase because gas is essential to transportation.

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Is this true?  Because when I looked it looks like they have the same rotation..Atleast on gas and Resturants.. IDK though..

[maiden_girl]

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@fot1 wrote:

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@maiden_girl wrote:

Because each company offers different rotating categories that may appeal to consumers differently. Chase may be offering gas first quarter but Discover is offering Restaurants first quarter. You'll more likely to use Chase because gas is essential to transportation.

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Is this true?  Because when I looked it looks like they have the same rotation..Atleast on gas and Resturants.. IDK though..

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I was using those categories as an example But yes sometimes they can be similar and sometimes completely different. It just depends.

[fargobzn]

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@fot1 wrote:

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@maiden_girl wrote:

Because each company offers different rotating categories that may appeal to consumers differently. Chase may be offering gas first quarter but Discover is offering Resturants first quarter. You'll more likely to use Chase because gas is essential to transportation.

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Is this true?  Because when I looked it looks like they have the same rotation..Atleast on gas and Resturants.. IDK though..

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Freedom has restaurants/Lowes this quarter while Discover is just home improvement stores, so it isn't quite the same. In the quarter before Discover was restaurants/movies while Freedom was gas/movie theaters/starbucks. 

[clocktick]

Sometimes they overlap and sometimes they don't. I have to say though with the Freedom (and CSP), I've received "free" or extremely discounted airline tickets once transferred - totally worth it to me and those 5% categories add up!

[fot1]

Ok.. I can see the appeal with the categories being different quarters..

[Anonymous]

Obviously personal preference, but I really dislike revolvers.   I want to be able to choose a card which rewards, as best as possible, MY spending patterns, rather than rely on an issuer choosing categories based on their business advantage.

However, these cards (especially Freedom?) are easier to get than some of the other fixed category cards, so that is part of the attraction.