Hmmm. You're making it look good again! If I spend $1k on Navy, I get $10 cash back. If I spend it on Amex Costco, I think I get 2%, but only once a year! Chase Freedom, Citi Dividend and Barclays only give 1% or point for restaurants with the cards I have. Maybe this card is worth taking a second look at! Uh oh!
Well, I wouldn't use it to carry a bal. I only have a bal on 0% offers. I want to maximize my rewards, but am concerned about another hit for a new acct. also, I have old navy visa $4k and they refused CLI for some reason like I was already at the max they allowed. I'm not sure that that is accurate. pros and cons for sure. I'd really like 3x pts for restaurants if it's redeemable at the rate you got.