Just as an added data point, and because I was curious, I just switched my Freedom Unlimited to the old Freedom. I just asked for the "regular Freedom Visa". The rep was able to process the PC to what they called the "Freedom Ultimate". Card number and other terms stayed the same.
@ficosuave wrote:Just as an added data point, and because I was curious, I just switched my Freedom Unlimited to the old Freedom. I just asked for the "regular Freedom Visa". The rep was able to process the PC to what they called the "Freedom Ultimate". Card number and other terms stayed the same.
Lord have mercy. Chase is really bad with names. If they are truly calling the old Chase Freedom card Chase Freedom Ultimate, abbreviated CFU, that really makes things confusing. With the current Chase Freedom Unlimited, CFU for short, this would really muddy the waters. I hope that rep just mispoke. 
Must garden until 2/1/2022 to hit my goal AAOA. 
Freedom Unlimited should come with an unlimited credit line.
@longtimelurker wrote:
@SecretAzure wrote:
@longtimelurker wrote:
@SecretAzure wrote:
@longtimelurker wrote:
@SecretAzure wrote:
I have CFU so the extra Cashback on Drug Stores and Dining are already covered.Based on absolutely nothing, it wouldn't surprise me if the 3x categories on CFF and CFU were made distinct, i.e. CFF would have different 3x then CFU. That would increase the desire for some to get both.
Based on absolutely nothing as well, I think they'll keep them the same. They made them have the same perks so that the trifecta(quad/pent/whatever) wouldn't gain too much strength. Each category they add makes CSR/CSP more valuable so I think they're hesitant to add too many extra routes for extra points.
OK, so we maybe just split, so one card gets 3x drug stores, the other 3x dining, leaving the cards different without impacting CSR/CSP! (But I think most would find 3x drug store underwhelming)
Lol. Yeah, that actually seems quite likely now that you say it! Drug store probably won't incent most people but there are those people who have one very close to home or just simply have a lot of medical spending that will never go away that would find value in the card which offers it. It's a pretty unique benefit. Amex BCE used to give 2% before 2% cards were common.
The Amex OBC (no longer available for new users) still gives 5% on specified drug stoes (which includes CVS, Walgreens)
I have a grandfathered "old" Blue Cash with the 5% on drugstores. I find this category to be extremely useful due to having a dog with medical conditions requiring multiple expensive prescription drugs. No insurance available to offset expenses in this type of situation. OBC plus GoodRx and SingleCare makes things a little more affordable.
@longtimelurker wrote:
@NoHardLimits wrote:I have a grandfathered "old" Blue Cash with the 5% on drugstores. I find this category to be extremely useful due to having a dog with medical conditions requiring multiple expensive prescription drugs. No insurance available to offset expenses in this type of situation. OBC plus GoodRx and SingleCare makes things a little more affordable.
With the $6.500 threshold, OBC wins over the 3% CFF/CFU if you spend more than $13K a year on prescriptions.
Well, I don't spend quite that much on prescriptions ($400-500/month usually), but I also take advantage of the 5% on gas and groceries. The $50,000 OBC spending cap better fits my spend than the $6,000 grocery cap (plus $95 annual fee) with the newer Blue Cash Preferred. I've run the numbers many times. Even throwing the new 3% drug store category from the Chase Freedoms into the mix, OBC still works for my spend. There's also something to be said for only having to carry a single card to cover gas/grocery/drugstores.
@SecretAzure wrote:
@ficosuave wrote:Just as an added data point, and because I was curious, I just switched my Freedom Unlimited to the old Freedom. I just asked for the "regular Freedom Visa". The rep was able to process the PC to what they called the "Freedom Ultimate". Card number and other terms stayed the same.
Lord have mercy. Chase is really bad with names. If they are truly calling the old Chase Freedom card Chase Freedom Ultimate, abbreviated CFU, that really makes things confusing. With the current Chase Freedom Unlimited, CFU for short, this would really muddy the waters. I hope that rep just mispoke.
Unfortunately I do believe that is the name of the CF and has been for a few years. I applied online for my Chase Freedom and after recieving the credit card, as well as the paperwork through the mail, I called to activate it. I specifically questioned the CSR about the naming of the card, Chase Freedom Ultimate because this is what it is listed as on the disclosures.
This was over 2 years ago. I originally applied for this card in August of 2018.
