Originally Posted by
jags86
Chase is trying to be profitable. Most people aren't carrying 4 Chase cards. If every card gave 1.5x on everything, 2x on gas, 3x on dining and travel, 5x on office supplies, and rotating categories, they'd make no money.
According to their algorithm, each version of rewards they have for a card turns out to be profitable. Combining them isn't.
I suspect that the CF isn't profitable when used in the 5x categories (and that's why there are limits to how many UR points you can earn, because there are spending limits in each category). And there are rumors that the CF is being discontinued (and I would not be surprised to see that). But the rest of the cards are uncapped. If they aren't turning a profit when giving you that many points per dollar, why are they even offering that many points per dollar? If the CFU wasn't profitable at 1.5 points/$, then they wouldn't even be offering that card at all. Therefore, it stands to reason that Chase can turn a profit at 1.5 points/$.