Which is a better 2% card you think? PAYPAL 2% OR CITI DC?

[joltdude]

Forgot to add that i was "preapproved for the Paypal 2%" when they seemed to prerelease it for some Paypal customers before the official release date....

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Offers-going-out-on-the-PayPal-Cashback-Ma...

Did end up with the DC... though didn't do great, but not bad on the CL,  My score at the time was over 750.... (don't recall exact score right now)...    In hindsight, I might have gotten the Sync card first, then gone for the DC later on.... also realize DC does have a pretty easy to reach spend bonus currently...  

That said.. theres a third card im interested in, but it was a consolation prize... its the Sync 2% card.... it kinda has the benifits of blispay's cashback and no need for Paypal..... though it was only given to folks who had a ToysRUs (MC) from what I read... Can't app for it (yet???) 

If Sync offered me that at the time of the PP 2%.. i woulda ran for it...

-J

[outofcredit]

Only drawback I see with the Paypal 2% MC is that you must keep your Paypal account in order to keep the card.  If you close your Paypal account you lose the card even though it can be used anywhere.  Sorta like the Sam's Club store card, if you don't maintain the Sam's Club membership, you lose the store card.

[Anonymous]

Having burned Citi (on a co-branded card, plus mortgage) in 2014 BK, the Paypal 2% is pretty much the only option for me in this case. From what I've read elsewhere I think my chances based on scores and history are fairly good, providing my old closed Bill Me Later/Paypal Credit account (which was charged off in connection with my 2014 BK) doesn't mess things up. While I've gotten most of my cards through prequals or preapprovals, I've batted 100% on cold apps since 11/16 - Amazon, Apple FCU, Care Credit (note that 2 of 3 are Sync cards) - so hopefully my luck will hold once I'm ready to give it a try.

[Anonymous]

OP,

Another factor to consider is the SUB - Citi DC is currently offering a $100 SUB after spending $500 or more. I believe the Paypal one doesn't come with any SUB

EDIT: Just realized you already got the DC. Congrats!

[UncleB]

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The new thread can be found here:  https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Took-a-leap-of-faith-and-got-2-3-Need-to-gard...