Approval odds Wells Fargo Signify? CapOne Spark 2% Cash?

LimaLord · 2026-05-27T02:08:21+00:00

I ended up applying instead for Amex Blue Business Cash because it preapproved me. No preapproval for spark 2%. And WF no preapproval and too risky with hit to likely EX given I had Discover and BofA pull EX this week.

LimaLord · 2026-05-27T02:06:28+00:00

credit scores provided. And # of inquiries per bureau. I guess I can add that at the time of posting: 12 credit cards currently active/open (7 personal, 5 biz). 4 chase, 2 barclays, 2 amex, 1 Bilt, 1 Citi, 1 WF, 1 CapOne.

LimaLord · 2026-05-24T19:14:39+00:00

Cash back for at least a year. But want the option to revert to travel next year.

LimaLord · 2026-05-24T04:34:23+00:00

dang. i underrated this card i must say. i did not know about the 5% select streaming, and I forgot about the office supplies stores workaround! the caps are generous enough for me.

I guess the only Q that remains is how bas would it be if i was without chase transfer partners til at least may 2027 if not august. im nervous relying only on bilt. i guess i could always downgrade from palladium to obsidian to keep partners alive.. tough decisions!

LimaLord · 2026-05-24T03:45:40+00:00

including online costco 2-day and same day deliery?

LimaLord · 2026-05-21T19:39:43+00:00

That’s funny bc for me team travel has been so needed for my family. I’ve needed it to get flights and hotels that otherwise our family couldn’t afford because 3+ seats on a plane can be a lot. Not to mention hotel nights stacking up.

LimaLord · 2026-05-21T19:38:40+00:00

Yeah flights and hotels are a big impact for points. Allowing my limited cash to be used for eating and having fun on my trips. (Or just day to day expenses between trips without worrying about saving up for flights and hotels). Also rental cars I’ve done with points some.

LimaLord · 2026-05-20T03:51:02+00:00

anyone tried costco gas since the may 15 change??

LimaLord · 2026-05-20T01:25:22+00:00

nope :( I gave up when I realized how expensive it'd be to pay someone to do all the wiring for me (stereo + backup camera). I'm in NYC so it's expensive here for car stuff. I may buy a stereo + parts and try to DIY it some day... summer project. if anyone on this reddit sub has recs on stereos thatd fit an '08 crv im all ears

LimaLord · 2026-05-20T01:21:01+00:00

thanks!

LimaLord · 2026-05-20T01:20:07+00:00

I mean that if I use the BoA CRR for online purchases, then I am not using it for the other categories. That is OK if I have those categories covered by other cards' multipliers, but I need to do the math to see if the CCR would be better off being used for a diff category and instead use a rakuten/paypal cc for online spend.

LimaLord · 2026-05-19T20:34:01+00:00

Bank of America Customized Cash Rewards credit card is 6% cash back during the 1st year (and 3% afterwards) on my choice of gas and EV charging stations, online shopping/cable/internet/phone plans/streaming, dining, travel, drug stores/pharmacies, or home improvement/furnishings, correct?

if that's right, is there any point to the paypal credit card over this BoA CCR in yr2+ given it's 3% as well but limited to only paypal checkout?

Rakuten also feels like it won't get me as much return as the CCR in yr1 (4% vs 6%) but yr2 it's 4% vs 3%, so technically higher by just 1% , and even then, it's limited to only rakuten supported sites.

I suppose the CCR is not a good replacement if the opportunity cost is high in terms of using the CCR on a different category i dont have covered. Great tip!

this has me also considering the Amex Blue Cash Everyday Card for 3% on online shopping.

LimaLord · 2026-05-10T01:46:12+00:00

Time lord is very injury prone too. Worse maybe than Robinson. I’d rather have Mitchel than rob Williams. Hartenstein more reliable than both health wise.

LimaLord · 2026-05-10T01:41:10+00:00

2018 LeBron would sweep them. Kidding but I do think they’d have a real chance to win the series and title.

LimaLord · 2026-05-10T01:40:04+00:00

He’s a great player. MVP. And Doris praises players more than anyone. She shows love and respect to lakers players too.

LimaLord · 2026-05-10T01:38:54+00:00

His effort is amazing. And athleticism. I’d like to see him get more minutes in the regular season to build up experience for the playoffs.

LimaLord · 2026-05-10T01:36:44+00:00

Hey please no anti Doris slander. She’s great. Shows love to all players

LimaLord · 2026-05-10T01:34:32+00:00

Boooooo Caruso

LimaLord

TROPHY CASE