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2% - 3% Cashback (CB) Credit Card (CC) - List

FalconSteve
Established Contributor

Re: 2% - 3% Cashback (CB) Credit Card (CC) - List

So any of the nationally available cards (that don't involve an AF or joining something) avoid Experian? SoFi and Citi both use Experian and almost all of my inquiries are Experian.

SoFi World Elite MC (TBOM) $7000 SL
REDcard $2500 SL
AmEx Cash Magnet $10k SL, CLI after 36hr to $20k
BB&T $11k SL- impulse application
BB&T $11k SL- AU, not on reports- impulse app (wife's card)
Discover $6300 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
Citi Double Cash WEMC $2900 SL, $4400 CL- AU- (wife's card)
AmEx Cash Magnet- $3100 SL, $9300 CL (wife's card)
BoA Cash Rewards $11k CL- AU (Dad's card)
BoA Premium Rewards $12.3k CL- AU (Dad's card)
PSECU Founder's Card $30k SL- AU (Dad's card)
AmEx Cash Magnet $12.5k SL- AU (Dad's card)
Wells Fargo Propel AmEx- $2500 SL, $3200 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)

All PIF, frequently before statement close

Goals: Buy a house & get approved for an AOD VISA Signature card (or other 3% cashback)
Closed accounts (I had a long period of inactivity): AmEx clear, Citi ThankYou (previously Driver's Edge), Chase Freedom, Cap One, Discover IT, Lowes Charge (really stupid, huge limit), my 1st REDcard, Buy.com Visa, Children's Place, Kohl's Charge, Angel Card (AU- wife's), Old Navy card
Message 101 of 106
FinStar
Moderator

Re: 2% - 3% Cashback (CB) Credit Card (CC) - List


@FalconSteve wrote:

So any of the nationally available cards (that don't involve an AF or joining something) avoid Experian? SoFi and Citi both use Experian and almost all of my inquiries are Experian.


I'm not sure what is meant by "avoid", but a variety of them tend to use whatever CRAs they have contractual agreements or partnerships.  PayPal 2% CB has been known to pull TU and/or EX.  BBVA and FNBO pull EX, for instance.  It will really depend on the bank or CU. 

Message 102 of 106
Credit12Fico
Frequent Contributor

Re: 2% - 3% Cashback (CB) Credit Card (CC) - List


@FalconSteve wrote:

So any of the nationally available cards (that don't involve an AF or joining something) avoid Experian? SoFi and Citi both use Experian and almost all of my inquiries are Experian.


I think Fidelity pulls TU.  All you would need is to open a free brokerage account to deposit the cashback. Then transfer it out from there.

Message 103 of 106
galahad15
Valued Contributor

Re: 2% - 3% Cashback (CB) Credit Card (CC) - List


@FinStar wrote:


You're welcome @galahad15 - let us know the outcome of your application!


Update:  hi again @FinStar some good news to report, I was approved by Dover FCU on 6/9 for a SL of $5,000!  Smiley Very Happy  Again many thanks to all posters who very kindly provided the valuable info on the CU and also the eligibility info for joining the CU!


Message 104 of 106
FinStar
Moderator

Re: 2% - 3% Cashback (CB) Credit Card (CC) - List


@galahad15 wrote:

@FinStar wrote:


You're welcome @galahad15 - let us know the outcome of your application!


Update:  hi again @FinStar some good news to report, I was approved by Dover FCU on 6/9 for a SL of $5,000!  Smiley Very Happy  Again many thanks to all posters who very kindly provided the valuable info on the CU and also the eligibility info for joining the CU!


Thanks for sharing your update on this @galahad15. I would suggest posting a thread in the Approvals forum so that others can learn more about the process with this particular CU and any other DPs you can offer. 

Message 105 of 106
FalconSteve
Established Contributor

Re: 2% - 3% Cashback (CB) Credit Card (CC) - List

Wells Fargo is getting a 2% card on July 1, 2021. All of their cards are Visa (except the Propel, but that is invite only now and an AmEx).

SoFi World Elite MC (TBOM) $7000 SL
REDcard $2500 SL
AmEx Cash Magnet $10k SL, CLI after 36hr to $20k
BB&T $11k SL- impulse application
BB&T $11k SL- AU, not on reports- impulse app (wife's card)
Discover $6300 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
Citi Double Cash WEMC $2900 SL, $4400 CL- AU- (wife's card)
AmEx Cash Magnet- $3100 SL, $9300 CL (wife's card)
BoA Cash Rewards $11k CL- AU (Dad's card)
BoA Premium Rewards $12.3k CL- AU (Dad's card)
PSECU Founder's Card $30k SL- AU (Dad's card)
AmEx Cash Magnet $12.5k SL- AU (Dad's card)
Wells Fargo Propel AmEx- $2500 SL, $3200 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)

All PIF, frequently before statement close

Goals: Buy a house & get approved for an AOD VISA Signature card (or other 3% cashback)
Closed accounts (I had a long period of inactivity): AmEx clear, Citi ThankYou (previously Driver's Edge), Chase Freedom, Cap One, Discover IT, Lowes Charge (really stupid, huge limit), my 1st REDcard, Buy.com Visa, Children's Place, Kohl's Charge, Angel Card (AU- wife's), Old Navy card
Message 106 of 106
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