Thanks for the review, lilywow! I always wanted a credit card with a good rewards program and I was jealous of the gift card options my boyfriend was getting with Chase Freedom as well. BUT unfortunately with student loans and accounts being too young, I have yet to get the optimum credit score needed for one of these cards D:
arsiel (rep: 13k) posted Mar 06, 2013
This is my favorite rewards card! When a bonus category is in effect, you earn 5%, not 1%, so your $228 in gas purchases earned you 1140 points, not 228 points as you stated. You didn't mention that you always earn at least 1% cash back whenever you use this card - you don't have to wait for certain categories to earn that. Then there is the ultimaterewards.com web site for Chase Freedom cardholders. There you can get up to 25% back in points by going to various online merchants through that site and using your card.
The Discover More card is very similar in all respects, except that you earn less than 1% on your first $3000 of non-bonus category spending. I have this card too, because the bonus categories are similar, but usually don't coincide with Chase's time-wise. By carrying both, you will likely get your favorite bonus category twice a year.
Both of these cards are great because the points are always worth at least a penny a piece, and they NEVER expire.
fluffy (rep: 2.2k) posted Mar 06, 2013
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