Citi Double Cash Card

[EdMan63]

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@SMikulski49 wrote:

I finally decited to apply and was approved for 12K with 13.24 APR, so excited. Thanks for all of your inputs and help

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Discover? Either way congrats!!!

[SMikulski49]

I applied for the Citi DC.

[TiggerDat]

Truthfully, with your scores, you should consider the US Bank Cash+, Huntington Voice, and Discover.  Each has a benefit.  If you get the Discover for the first year at double back this would be good.  Restaurants and Gas are always useful categories.  With the the US Bank card you can choose a 5% category which you always would get a benefit from and change it by the quarter, same with the Voice card, and that can be a good compliment to the Discover cards categories.  I have a card for every use and every card with a use gets used.  I love cash back!  I also love the signup bonuses!

[Anonymous]

keep in mind that restaurants and gas aren't good for everyone. i spend $25 a month in gas and no restaurants

[Anonymous]

and OP mentioned that he doesn't want the discover due to it not being a good "long term" card

[SMikulski49]

Yeah I did consider the Discover IT, and other cards. My friend has Discover IT and he always tells me the different categories and to be honest I would not benefit from them. I also considerd it because it doubles everything for the whole year, but after that one year Id have to apply for another card. I travel 5 miles to work so my gas is monimal, i am health freak so not much restaurant action, my groceries are minimal as i buy whats necessary. I did cibsider everythong and a constant 2% cash back works best for me. I been using 1% cash back for the past 10 year and was happy with it haha now i can double it all. Maybe down the line I will consider a good card with rotating quarterly rewards.

[myjourney]

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@SMikulski49 wrote:

I finally decited to apply and was approved for 12K with 13.24 APR, so excited. Thanks for all of your inputs and help

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Congrats 

[TiggerDat]

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@Anonymous wrote:
keep in mind that restaurants and gas aren't good for everyone. i spend $25 a month in gas and no restaurants

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That is true to some degree, but consider this, the Voice card lets you choose a category each quarter, or you can keep it the same, so at 3% for gas throughout the year, isn't that better than 2%?  It might be minimal, but over time it does add up.  The only drawback is that it adds another card to pay, which is why in my situation I simply have autopay set up for all the cards that allow it and then I neither have to worry or think about it.  Some people use the cash back right away, while others keep it as a special way to save up for something like a vacation.

[Anonymous]

for people like OP and myself the 2% vs 3% on gas based off of $25 a month is literally $3 a YEAR. so no, a new card, HP and AAoA ding is not worth $3 a year lol