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Answers (4)

Switching from Venture Card to Chase Freedom Unlimited?

Switching from Venture Card to Chase Freedom Unlimited?

  1. se202

    Hi all,

    I’m pretty sure I know what the answer is here but would love to hear directly from all of you. I couldn’t exactly find this question posted anywhere else (my apologies if I missed it somewhere!).

    I currently have the Chase Sapphire Reserve, which I use for all travel and dining, Chase Freedom, which I use for the rotating 5% category, and a Capital One Venture Card that was my original points card I got back in 2015 that I use for everything else.

    I’m thinking that since I use CSR and Freedom, it makes sense to switch to Freedom Unlimited for my everyday spend that doesn’t fall into either bonus category. Although the Venture earns 2 points for every dollar, my thought is that the 1.5x back from the Freedom Unlimited coupled with the other UR points I’m earning would be more valuable in the long run, since those redemptions tend to be much better than the essentially flat redemptions you get with Venture points.

    I have loved my Venture card and definitely saved a lot of money redeeming those points for flights, but I think know that I’ve started to be more strategic about my redemption this gradual switch makes sense.

    Love to hear what you all think, thank you!!

  2. David W

    I think your plan is great, go for it! If the Venture has no annual fee, keep it for the credit history.

  3. MidSouthSkier

    Welcome [USER=4489]@se202[/USER] – I wouldn’t get rid of your Venture card. There are some travel expenses that you can’t use traditional points/miles for and the points earned on the Venture card can help offset those expenses. And, like David said, keep it open for your credit history.

    The CFU is a great option but have you thought about diversifying your types of points? Maybe the Amex Everyday card to earn Membership Rewards points or the Citi Premier card to earn Thank You points.

  4. se202

    Thanks guys.

    [USER=184]@MidSouth Skier[/USER] that’s a good point – credit history and total availability of credit are good reasons to keep it open. Maybe the best plan is to figure out how much to spend in a year to at least offset the annual fee, and then switch over to Freedom Unlimited for everything else after that point.

    I have thought about diversifying, but have mainly focused on the premium level. Thinking about jumping into Membership Rewards points with the Everyday is a good idea that I haven’t looked into. AmEx points are appealing to me but I’ve held off on the Platinum since I’m happy to wait for a higher sign-up bonus. I’ve also held back a bit because I want to make sure I don’t end up with too many cards that have dining/travel bonus categories, as many do.

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