I have a NHCR card, and I don't think I'd want this new one. Except when Disco is running 5% cash back on gas/groceries, I use it to fill my tank and buy groceries and that's it (and when I travel overseas).
NHCR - My $39 AF gets me ~$100 cash back @ 2% Gas/Groceries.
New Cash Rewards - $39 AF gets you $75 @ 1% Gas/Groceries($50) + $25(50%).
That just seems silly. If I could get the regular one w/ no AF, then it starts making sense, but right now, the math doesn't.
So no, Jimmy, I do not want 50% more cash, because it's really 25% less cash, given the same AF.
-SM
Note: I spend about $200/mo on Gas and $200/mo on Groceries = ~$5000/yr, which is what I based the math (and it lines up with the cashback I've earned so far).
I am not an attorney and none of what I write should be construed as legal advice. For legal advice please consult an attorney.
Starting Score: ~470 preBK(8/2010)
Current Scores as of Late January 2016 All 700+. Last CR pull from a lender(housing) was mid-score 749.
Goal Score: 700+ - reached.