Chase sapphire preferred or Wells Fargo propel

[Anonymous]

I posted this on another forum, but couldn’t get any response.
•Looking to get a card for my daily use. Hoping to build some points to get some cash back or gift cards.
•Don’t travel much
•Good credit.
•Don’t mind a small yearly fee.
•I already know all the sign up bonuses and a lot of the details with both cards. Just looking for some experienced advice on which would be the better card for my daily use.

Thanks!

[Anonymous]

What would you use it for?

If you don't travel much, neither card make much sense.

[Anonymous]

Just to get some cash back. Any recommendations?

[UpperNwGuy]

If you don't travel much, get a 2% flat rate cash back card such as Citi Double Cash, Fidelity, PenFed Power Cash, Alliant, or PayPal.  Augment that with a card that gives 3% on dining such as the Chase AARP or the NFCU Go Rewards.  Take it a step further and get the Amex Blue Cash Everyday or the NFCU More Rewards for 3% on groceries.  Forget about travel cards.

[Anonymous]

You can always just get one of the 2% cash back card, i.e., paypal cashback mastercard, or citi double cash.

If you are willing to spend a bit effort to manage card, pair the 2% card with 2 rotating 5% category cards, i.e., discover it and chase freedom.

Unless you are even more engaged in Point game, I would just stay away from Amex system, its all points game in there, and value isn't high if you don't use it on flight or hotels.

[Anonymous]

It would help if you let us know your current cards, what your scores are, and what your current spend is to make a solid recommendation. You said you don't travel much, so neither of those cards seem appropriate from the limited information provided.

[Anonymous]

Gotcha.
-Credit score should be around 760-815
-Main expenses will come from groceries and gas. Without putting a pen to it. I should be at around $2,000 a month on qualified purchase categorys.
-Again not looking to get into the multiple card game, but just looking for one card that will be everyday use and to acquire some cash back while doing so.

[Anonymous]

Get citi Double cash, easy peasy, no hassle.

[Anonymous]

Right on man. Thanks for the response

[Anonymous]

If you don’t travel much like others have said, get the double cash. Or if you spend over 13k/year get the alliant visa signature for 3% first year then 2.5 after that. $59 annual fee no FTF if you were to head out. They have better than others checking and saving rates too if you want.