Should I wait another year for a new card?

[NoMoreE46]

I am hoping that you would further elaborate on this please.

---

@C6 wrote:

Why not apply for the Alliant Visa. You get 2.5% back on everything. The Paypal MC leans to the subprime and with a 750+ score you can do better.

---

[C6]

---

@NoMoreE46 wrote:

I am hoping that you would further elaborate on this please.

---

@C6 wrote:

Why not apply for the Alliant Visa. You get 2.5% back on everything. The Paypal MC leans to the subprime and with a 750+ score you can do better.

---

---

If one has good scores they should go for a better card. The Paypal MC has no benefits other than cash back and most that apply are getting pinched with 30% interest. The Alliant card is much better if you can qualify.

[OmarGB9]

---

@C6 wrote:

---

@NoMoreE46 wrote:

I am hoping that you would further elaborate on this please.

---

@C6 wrote:

Why not apply for the Alliant Visa. You get 2.5% back on everything. The Paypal MC leans to the subprime and with a 750+ score you can do better.

---

---

If one has good scores they should go for a better card. The Paypal MC has no benefits other than cash back and most that apply are getting pinched with 30% interest. The Alliant card is much better if you can qualify.

---

That's highly subjective, and I definitely wouldn't say the PP card is subprime by any means. 

[NoMoreE46]

Since OP uses Paypal a lot, then it would make sense to app for the 3% back- be it optically, Subprime or not.
No need to open a new bank account, maintain a minimum balance in it and DD monthly for 2.5% back.

[Remedios]

OP has been approved.