Originally Posted by
Happy
Do you refer to the Freedom Plus or whatever the version that has an annual fee? That is the one that has more categories eligible to earn 3%, right?
The regular Freedom (both the Plat and the Signature versions) dont have annual fee, do they?
The letter I received has not mentioned anything about annual fee.
Citi's Plat AMEX with 3 to 5% earning rate, even after TYP devaluation to only 1c worth per pt, still is a better earning if the gift cards offered by TYP suit your needs, or you use Expedia to book flights.
I have a Citi Plat AmEx too (I'm actually getting ready to
convince them to either waive the annual fee or extend the 3-5% on it) and a Schwab Invest Visa Signature.
But my Chase Freedom is a Chase Freedom World Mastercard. My letter states the following:
- 3% cash back on eligible gas, groceries, and fast food
- 1% on everything else with no caps and no expiration
- 3% bonus categories sometimes
- cashback at $50
And then has the following changes:
- Unlimited non-expiring rewards
- no annual fee for the first year, $30 thereafter
- no more $250 for $200
- crappier bonus structure.
I have actually already spent an hour trying to get the Sapphire promo. Apparently they can't switch because the "Ultimate Rewards" program hasn't gone into effect yet; nor can they transfer my credit line. Boo that.
