Freedom Unlimited is a good idea, but you only receive the benefit of the 1.5 points per dollar on general spending if you actually use it. This sounds obvious, but think about reasons that you might not use it. Are you disciplined? Will you consistently pull the correct blue VISA card out of your wallet? Are you typically working on a bonus for a new card from any issuer? If yes, you will probably put your general spending on that card rather than Freedom Unlimited.