FWIW DW went from $22k to $70k on her BOA card since last spring. At the same time, I had a $5100 card and now have 4 at $75k. They can be extremely generous! The BankAmericard has a lower APR and is no frills. The Cash Rewards will have a higher APR but has cash back (and a signup bonus unless her offer was not eligible?). You can PC from one to the other no problem and they shouldn’t grow any different given the same usage and stats. 3 cards would be ideal since she could inflate her score at any time by just letting one of the three report a balance.
