Quite off topic here, but outside of starting a new thread I figured I'd ask this here first regarding the Citi DC card vs Blispay for 2% CB on every day purchases that don't fall into any sort of category. Sort of a daily driver card to use outside of rewards categories?
What are the benefits and drawbacks of each compared to the other? Shooting from the hip, with my limited knowledge I perceive the following:
The Citi DC card has been around longer and Blispay obviously not very long and the future of Blispay isn't very clear at this time. While SL's may be comparable on both cards, the DC has the potential for a higher CL over time as you can receive CLI's where Blispay stays at its SL forever as far as I know. The big advantage to Blispay I suppose would be the interest free financing on purchases over $199 which to me is an attractive feature over the DC. Another Blispay "advantage" would be that it doesn't report so far from what some have said on here, if you personally consider that an advantage over DC. As far as the fine print goes, I don't know much about the additional benefits of either card. Some have said that getting the 2% CB rewards with DC takes a while since it's 1% + 1% and you have to pay it off to get half of it... but I PIF so I don't think that would really matter to me. I know the Blispay 2% back comes in the form of statement credit, not sure if that matters vs DC.
Does anyone have any opinions on these cards compared to one another?
Chances I would use one for around $1k in purchases per month for things like recurring bills and daily spends that don't fall into any sort of rewards category. Thanks for the insight, everyone.
