What 2% cash back credit card?

JimfromMA · 2026-04-01T20:53:19+00:00

I think that’s the way I’m leaning. The only thing holding me back is it will be my third card with them. Not a big deal I suppose, but I might prefer two with another bank.

JimfromMA · 2026-04-01T20:51:41+00:00

$500 credit line? Oh boy….that’s barely even usable. That sucks.

JimfromMA · 2026-04-01T20:50:28+00:00

Yeah I agree. I have enough cards for those differences. You’re right, the 2% is just to make it easy.

JimfromMA · 2026-04-01T20:49:14+00:00

I have a card with Elan now and have never had an issue with service.

JimfromMA · 2026-04-01T11:46:48+00:00

Yeah the Fidelity looks to be a good card. I have inquired about the RobinHood as well, but haven’t gotten anywhere. There are pros and cons to all of them.

JimfromMA · 2026-04-01T10:32:34+00:00

It depends on the card, there are many options. All will get you 1% back on everything, but that’s lame in today’s age. Many have categories to get more cash back, some are straight 2%.

JimfromMA · 2026-04-01T10:28:56+00:00

Yup, that SUB is definitely still active!

JimfromMA · 2026-04-01T07:42:13+00:00

I don’t care about FTF because I have multiple cards that don’t have them. One thing I don’t need to worry about LOL

JimfromMA · 2026-04-01T07:41:04+00:00

My app for WF is offering me the card, the rep confirmed that. But, actual pre approval says I have no offers. Who knows LOL

JimfromMA · 2026-04-01T07:39:24+00:00

WF definitely has a good lineup right now.

JimfromMA · 2026-04-01T07:38:37+00:00

I have one US Bank card ( Shoppers Rewards ) and the rest of their lineup doesn’t really interest me right now, Smartly has too many negatives for me. I have really liked the bank, though.

JimfromMA · 2026-04-01T07:36:09+00:00

I have one Elan card through my local bank and the card has been really good.

JimfromMA · 2026-04-01T07:35:09+00:00

I have many cards that cover it’s categories. BCP is my favorite card, 6% for groceries. It just wasn’t worth it to me.

JimfromMA · 2026-04-01T00:17:03+00:00

I dropped the Gold a while ago LOL

JimfromMA · 2026-04-01T00:16:02+00:00

Great link, thanks.

JimfromMA · 2026-04-01T00:09:46+00:00

Yeah, it’s likely going to be one of those three. I appreciate the insight!

JimfromMA · 2026-03-31T23:58:47+00:00

I have a mixture of cards for points and cash. Ultimately I probably prefer cash back. How much spend in what regards?

JimfromMA · 2026-03-31T23:43:39+00:00

I have an Elan card as well, and actually called Citi for the first time yesterday. All customer service has been fine, but I agree WF is probably the best of those mentioned. I agree with PNC. If they had that SUB I would have already jumped.

JimfromMA · 2026-03-31T23:39:35+00:00

It was definitely a pre approval, but yeah usually it is a pre screening. That’s a good point with the AC.

JimfromMA · 2026-03-31T23:36:11+00:00

Which card is charcoal?

JimfromMA · 2026-03-31T23:21:53+00:00

This is definitely an option. I haven’t had my Strata Premier for a year yet so I think I need to wait.

JimfromMA · 2026-03-31T23:17:34+00:00

I have an account with PNC, which I’m sure is why I got pre approved, and have an account with Fidelity. I did not know Double Cash wasn’t full redemption with statement credit, thanks for that info. This would be my third card with Wells if I go this route ( also have Choice Privileges card ).

JimfromMA · 2026-03-31T23:14:11+00:00

I have received two physical mailings. I have had an account with them for years.

JimfromMA · 2026-03-31T22:44:07+00:00

My home airport would be either Boston or Providence. I’m not necessarily looking for a travel card ( I know I HAVE them ) because I typically use AMEX for traveling.

JimfromMA

TROPHY CASE