1) I'm not convinced that one's banking 'relationship' is THAT big a deal with regard to whether or not a profile warrants extending credit, so what you have a checking account here, you still don't pay any bills😉
Ok you know I'm joking ( partially)
2) The availability and access to FUNDS can be of importance BoA only requires $300 , whereas it takes $500 @ NFCU
You guys know how I feel about blowing all available 💰 into ONE $500 TL vs establishing TWO, with the same dough, if possible
3) Further, IMO 'rewards' and 'cash-back' considerations are RED HERRINGS and dangerous, things to make a big deal about for a REBUILDER
in rebuilding mode.
The ONLY concern should be building a strong, deep, beautiful positive history over a period of TIME and NOTHING else, period.
Who cares about "rewards" on a card that's only to be used for either a) token usage for credit reporting purposes or b) not all because it's one of the 'zero' cards, again used for credit reporting purposes only for 8-10 reporting cycles.
Otherwise, you have newbies and rebuilders chasing SPEND, running behind freaking rewards when they should be focused on mastering credit & finance management, such that they don't become REBUILDERS, yet again
Again, in my world a rebuild CC is a TOOL to build, to work on the credit profile NOT a spending tool to chase airline miles or other unrelated objectives...getting the credit management right is to IMPORTANT to split focus on even thing else.
There will be plenty of time the paper chase rewards/cash back when one actually enters the credit Big Leagues until then IMO you play small ball as perfectly and as choreographed as one can with the least amount of distractions with the ultimate goal being score acceleration.
