“What's new
3% cash back on dining at restaurants, including takeout and eligible delivery services
3% on drugstore purchases
5% on travel purchased through Chase Travel
1.5% on all other purchases
What won't carry over
5% cash back on quarterly rotating categories
1% on all other purchases”
I have a 11 year old OG chase freedom card with a $15.6k limit that I can PC to a freedom unlimited, is there any reason not to? I only occasionally use the rotating category’s because they don’t usually apply to me.
I also have a USAA AMEX points card that’s about 2 years old with a $25k limit, a 5 year old clothing store card with a $2.5k limit and am an AU for a 1.5 year old Costco Citi card with a $12.5k limit. I don’t carry a balance on my cards but utilize around $5k a month on them, mostly my AMEX depending on if I have an active card at the time.
*lots of issues with my poor poor AMEX card, BIN attack on bank. Mostly nothing to do with current question, but I do use my chase card more when I’m waiting for a new AMEX card to come each time. I use my AMEX card for all groceries and dining typically because of points, and I’ve replaced my card 3x since January and 6-7x since opening in 2024.
I’m “already approved” for 6 different cards through chase, but not really sure I need *another card* or even how many is considered good to have to begin with.