Originally Posted by
jebr
This past quarter was especially bad - I don't shop on Amazon much so 5x there is wasted, and as a renter I don't have a reason to really shop at Lowe's, so the cards literally were sock drawered for the quarter. The Amazon quarter always feels a bit weird, though, as Chase also offers a 5% back credit card for Amazon purchases if someone's an Amazon Prime member - sure, 5x UR is better than 5% back, but most people either don't know or don't care about the distinction, and if someone's a regular Amazon user they likely have Prime already and likely have at least strongly considered getting the Amazon Prime credit card already.
Yep, I've always said that when there are quarters that don't work
for me, I can appreciate that maybe they're of value for someone else, but actually looking over the last few years has been kind of disappointing. As someone who has tried to cut back on Amazon some, it always seems weird how much Chase pushes it (maybe it's part of the agreement for their Amazon card?), but if I was buying a lot there, I'd just get that card. Also as a renter, Lowe's has also been a bit more useless, although I did get some little things that I needed anyway, but in the past Home Improvement was often paired with something else (like groceries). Discover doing an Amazon quarter makes a little more sense, and they typically make it
also Target and Walmart.
Next quarter is going to be tough to do any damage on because my commute is about six miles and a lot of "entertainment" tickets are already purchased. I think other than a few gas charges (if I decide to split them off from Discover), it'll be sockdrawer city (and same in Q4 if it's PayPal and Walmart). There are moments where the Freedom is starting to feel like a cobranded store card.
I'm sorta in the Chase ecosystem with CFF and CSP, but I'm wondering if I should roll most of the limit from the CFF to the CSP and close it or PC the CFF to something else? CFU isn't really worth it for me and that leaves...OG Freedom or Slate?
