Cashback MC or Discover

[Gmood1]

Citi DC or Capital one QS MC would be my top long term picks. Citi DC is now my go to for mortgage payments.
I don't earn any cash back but should breakeven, which is fine for me. My main goal is to increase my limit on the DC. I'm gambling that showing them $30,000 a year in traffic through their card will get me where I want to be.

[mdd0214]

Discover will match all miles for the first year so that's really 3% for the first year.

I don't call customer service often but with some recent changes in my wallet I've called a few of the providers. Discover had excellent customer service. Much better than Citi.

 I have both cards. My Miles is only a few months old but I just began using it because I'm trying to build some relationship with Discover.

[Anonymous]

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@Anonymous wrote:
Just saw that post on changing boa cash to mc. Thanks! I may consider that too. Even though it would only be 1% back, it may be better than getting new credit, at least for right now.

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unless you somehow prequalified in branch or had lots of money in the bank with chase, looks like you will have to wait until febish 2018 to apply for the CSP

[Anonymous]

@mdd0214

Thanks for your reply. Discover miles is sounding like the winner.

[Anonymous]

@jfriend33

Yes, I hit 5/24 in April. I'm not even trying for the csp until I'm under 5/24.

[Anonymous]

@jfriend33

I think your discover it miles suggestion may be the way to go. If what I've read is correct, you don't have to use it for travel expenses and just deposit the cash. If that's the case, it's perfect. Thinking in long term goals, the csp would be my travel card once I'm eligible so wasn't wanting another travel card. I think the miles takes it though. Can use for anything and take the cash. Would be great for paying rent and people seem to have a lot of good opinions on discover. Thanks for the help.

Now let's see how long I can hold off. I'm thinking around the new yr.

[SunriseEarth]

Discover IT is a de facto 2% card for the first year.   You'd also get the 5% categories that will double, so it's worth considering if you intended to spend on things other than rent.   If you don't like categories, then Discover Miles might be a better solution, as it's a de factor 3% for the first year.  

Citi DC is a 1% + 1% card and would also work well.   However, Citi DC is known for giving stingy initial CLs, so you may need a 2nd HP in order to get a decent CL.   I applied for mine when my scores were ~680 and I was only approved for $1200.   That may not be adequate for your rent or other expenses.  

[SunriseEarth]

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@Anonymous wrote:

I would do the Discover prequal -- discover IT cash back, then at the end of the first year, they match the cash back. I'm averaging $60/month cash back now and not even using it as heavily as I could.

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Unfortunately, their "prequal" isn't very useful or reliable.   You could enter in Mickey Mouse's info and get an "offer".