I am looking to get a 2% cash back ( or points ) card. I don’t really need it ( I have several cards ) but 2% will cover categories that I don’t already have a card for. Credit score is not an issue, nor is 5/24 rule. I am pretty sure I will get approved for any card I want. Here are my options:
-WF Active Cash-already have Autograph, will pair well.
-Citi Double Cash-have Strata Premier, will pair well. I could possibly downgrade to Double Cash but need to wait another few weeks.
-Fidelity-already pre approved. I like having my rewards in the card account so it’s easier to deal with.
-PNC Cash Unlimited, already pre approved. Originally pre approved for $25,000, next time I tried there was no limit. No SUB, biggest downfall, not sure I want/need another bank.
There are other cards, but I’ll likely pass. I really like US Bank, Smartly card was my first choice, but no SUB and can’t combine rewards from two cards. I am also pre approved for BOA Cash Unlimited ( they are almost begging me to get another card ), $200 SUB, but is only 2% for a year, then 1.5%. I have two 1.5% cards already, so that won’t really do much. I love Amex, but they don’t really have any non business cards that fit. I already have a CapOne card as well, they don’t offer anything else I really want.
What does everyone think? Yeah, I know, third world problems 😂😂😂
Posted by JimfromMA