BoA or PNC

[Caught750]

Hey all,

Closing on my home in about a month and was looking for some input.  I'm going to add one card before committing myself to the garden until I'm under 5/24 (CIC and then Freedom, or FU, 6-12 months later or vice versa depending on offers).  I'm looking to go with PNC Cash or BoA Cash for a 12-15 month 0% card to cover some home purchases.

BoA is the only lender to deny me in the past without getting an approval at some point so I kind of want to make them say yes lol.

PNC I have checking and savings accounts with already.

Pros and Cons to both please.  I'd like a usable limit (most of mine are 5 figure so hoping for $10k+).  I'm not big into cash back but I can't think of a Travel Card that I'm interested in at the moment with a 0% period.  BoA has theirs but I feel the Cash Rewards is a better overall card.

Thanks in advance!

[M_Smart007]

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@Caught750 wrote:

Hey all,

Closing on my home in about a month and was looking for some input.  I'm going to add one card before committing myself to the garden until I'm under 5/24 (CIC then Freedom or FU 6-12 months later or vice versus depending on offers).  I'm looking to go with PNC Cash or BoA Cash for a 12-15 month 0% card to cover some home purchases.

BoA is the only lender to deny me in the past without getting an approval at some point so I kind of want to make them say yes lol.

PNC I have checking and savings accounts with already.

Pros and Cons to both please.  I'd like a usable limit (most of mine are 5 figure so hoping for $10k+).  I'm not big into cash back but I can't think of a Travel Card that I'm interested in at the moment with a 0% period.  BoA has theirs but I feel the Cash Rewards is a better overall card.

Thanks in advance!

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@Caught750  .. I'll make it easy .. Both Great Cards

One thing that would make Me lean towards PNC is this>>>> "PNC I have checking and savings accounts with already."

Also you could try for another BoA Denial? .. I have a few

[Caught750]

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@M_Smart007 wrote:

---

@Caught750 wrote:

Hey all,

Closing on my home in about a month and was looking for some input.  I'm going to add one card before committing myself to the garden until I'm under 5/24 (CIC then Freedom or FU 6-12 months later or vice versus depending on offers).  I'm looking to go with PNC Cash or BoA Cash for a 12-15 month 0% card to cover some home purchases.

BoA is the only lender to deny me in the past without getting an approval at some point so I kind of want to make them say yes lol.

PNC I have checking and savings accounts with already.

Pros and Cons to both please.  I'd like a usable limit (most of mine are 5 figure so hoping for $10k+).  I'm not big into cash back but I can't think of a Travel Card that I'm interested in at the moment with a 0% period.  BoA has theirs but I feel the Cash Rewards is a better overall card.

Thanks in advance!

---

@Caught750  .. I'll make it easy .. Both Great Cards

One thing that would make Me lean towards PNC is this>>>> "PNC I have checking and savings accounts with already."

Also you could try for another BoA Denial? .. I have a few

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The red part also makes me lean towards PNC 🤣

[TSlop]

I'd go with the PNC. It's probably my favorite card that I don't have. While you don't get the 3% "rotatable" category, you get pretty good overall coverage (4% gas, 3% restaurants, 2% groceries). It definitely beats BoA before they offered the monthly option, and maybe even still, since PNC has $8k limit instead of $6k. I'd have it myself if PNC let me PC.

[Caught750]

Thanks Tslop.  I'll definitely take that into account.  PNC is a good card for sure.

[JNA1]

I have the PNC Cash Rewards card, and it’s a great card. The payments and rewards post quicker than any of my others cards. The rewards center has a good breakdown of cashback per purchase and a tracker that shows how much has been spent towards the cap.

[Caught750]

Seems I'm mistaken, I misread and PNC Cash is NOT offering a purchase APR promo.  That makes things more difficult and back to the drawing board

[AllZero]

BoA Cash Rewards is a good card:
$200 sign up bonus
BT, 12 month promo
0% Purchase APR 12 month promo
Selectable 3% categories

When were your denial dates?

Do you have a checking, savings account with BoA?

[Caught750]

The most recent denial was 8+ months ago for too many new accts with a dirty file and ~700 scores.  

Im within their acct limit now with a clean file and 773 EX F8.

I don't have any accounts with them at this point but would open checking prior if I'm going to app BoA again.   I also like the growth potential of their cards.

[Gmood1]

If in a Regions Bank service area. They're offering up to 18 months 0% on purchases and BTs. This specific offer doesn't show on the site. But it will pop up if you prequal for the best rate.