One for restaraunts and gas and the other for whatever else. I think what a lot of people would just do is get multiple cards. Chase and Discover IT both have quarters where they give 5% cashback in restaraunts, but it isn't usually year round. I don't eat out excessively so restaraunts don't benefit me as much for instance, but maybe you eat out a ton and feel it's worth it for you to get a card that gives 2-3% back on restaraunts. 5% back on fairly common categories is just nice if it fits your spending habits. I admit my financial literacy is below average, but what am I missing here? To me that math just doesn't add up.Ĭhase freedom just has a bunch of options that fit more people. I also don't travel much, if at all, so travel perks with other Chase cards are really just not that attractive to me. I live in a city where I don't pay for gas that often, so in my mind that would effectively negate the bonus points for at least a quarter of the year with the Chase Freedom. My question is what differentiates this from a card like the TD Cash Credit, which has an equal sign-up bonus and offers 3 points on dining and 2 on groceries (my 2 largest expenses that I pay for with card). There is also the ability to transfer points to a more valuable Chase card that is part of the Ultimate Rewards program. From what I gather, it seems to be the sign-up bonus and 5X rewards in rotating categories that make it so attractive. So I'm looking at options for a first credit card, and I'm consistently seeing the Chase Freedom being highly recommended. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit. Get your financial house in order, learn how to better manage your money, and invest for your future. Banking Megathread: FDIC, NCUA, and your cash.Private communication is not safe on Reddit. Scam alert: Ignore any private messages or chat requests.Deposit products and related services are offered by JPMorgan Chase Bank, N.A. Products not available in all states.īank deposit accounts, such as checking and savings, may be subject to approval. JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. Insurance products are made available through Chase Insurance Agency, Inc. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Past performance is not a guarantee of future results. Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved. "Chase Private Client" is the brand name for a banking and investment product and service offering, requiring a Chase Private Client Checking℠ account. is a wholly-owned subsidiary of JPMorgan Chase & Co. “Chase,” “JPMorgan,” “JPMorgan Chase,” the JPMorgan Chase logo and the Octagon Symbol are trademarks of JPMorgan Chase Bank, N.A.
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