Originally Posted by
briang191
Would you convert a freedom unlimited to normal freedom card?
YMMV but I definitely would (and have) especially if you can/want to MS the 5x categories. I mean even if you max out 5x for only 1 quarter that's 7500 UR. Since the Unlimited only earns 0.5x more per dollar than the regular Freedom, you'd need $5k in spend to earn that, but more importantly if you used a regular freedom you'd still have earned 5k points. So I look at the differential and it's just easier to earn way more points with a regular Freedom card. The FU can make sense if you have tons of non-bonus category spend, but I don't, and even if you did it would be more rewarding to just use that spend towards more sign up bonuses. I've earned 30k in the last 2 quarters by MSing my 2 freedoms, way easier to do that than spend $20k on a FU.