@Anonymous wrote:After looking through all the available rewards cards, I decided that Groceries, Gas, and Utilities were pretty much my largest sum of purchases. So at 2% for all those categories I thought this card would be more beneficial for my needs than a Quicksilver 1.5% as my everyday rewards card. But now I'm a little gunshy to try to apply. Does excellent credit hurt your approval chances for lower tier cards?
No. Not at all. Many have that card. Me included. 
You should app for the cards you feel are beneficial to you. I always do my research before app'ing. If I don't need it or will not use it, then there's no need to apply.
@Skye12329 wrote:
@Anonymous wrote:After looking through all the available rewards cards, I decided that Groceries, Gas, and Utilities were pretty much my largest sum of purchases. So at 2% for all those categories I thought this card would be more beneficial for my needs than a Quicksilver 1.5% as my everyday rewards card. But now I'm a little gunshy to try to apply. Does excellent credit hurt your approval chances for lower tier cards?
No, if anything it should(emphasis on should, but obviously other factors come in) mean your going to get a higher starting line if you have excellent credit and apply for a lower tier card. CK like other websites that advertise cards make a commision from the lender if you apply through their website.
I'm with Skye on this one 
. Pay NO attention to the CK FAKO, only your real FICOs. I'll tell you from my experiences - I'd take Barclay over QS anyday. Back THEN, I wouldn't have thought about the "Excellent" category or even the QS One for the matter. Having both, I barely use the QS and have BC Rewards as primary, netting about $50-75/month cash back. That 2% - you CANNOT go wrong for your groceries/utilities. That is where I get the bulk of my points - while ALSO having a very nice CL.
I was a "Very Good" candidate for a "Credit One" account but "Fair" for Discover IT which I've had - and is at $17K. Look at my FICOS..... I digress LOLOL Kinda is my "comic relief" whenever they "recommend" as they do. Yeah I'll be jumping on that Credit ONe app RIGHT away HAHAHAHAHA!
App'd for BC Rewards for excellent, started me out at (I think) $3K or $4K, have had it for 18 months, and I'm up to $11K. Up until this month, they were my highest until my recent EO interatction w/Cap One to raise my QS Visa Siggy. Unreal how that place does NOT want to budge unless you go through the EO route - even with my scores (now, not then LOL). We shouldn't have to fight like that JUST for a simple CLI. Barclay - you do them right, they'll hand it out either on their own or with an HP. Wait about 4-6 months for some auto-luv, but if you cannot wait or get none, and are willing to take the HP, you'll get the CLI w/Barclay. That is, all things considered & your profile supporting it even with your FICOs (no 20+ inquires, e.g.).
Kinda funny how Cap One had some booth at Pride this year too. So I started showing folks my "interactions" about gtting a CLI out of Cap One. One of em said she had their card for 3 years & nothing, she wanted to try now, I told her she & her partner would be hospitalized from Sunburn from waiting with the Cap One EO JUST for getting the CLI request put in. Go figure, barely anyone had a thing to do with the Cap One booth after this "Release of Info"
Anyway, the nitty gritty is Barclay will take care of you, Cap One will turn into a hassle unless you are OK with never getting a CLI unless/until you've taken vacation time to handle the requests. BC Rewards has paid back QUITE a bit, running all my utilities (and yes, cable, internet, etc. counts) is "paying" my electric bill due to the cash-backs, and they've consistently increased me. Interest wise, they've gone down down and down into (I believe) either 14 or 16%, but that is moot for me since I PIF each STMT. QS is a single-digit APR IIRC, but - again, it's no comparison to BC. I don't have to EVER worry about my UT% w/BC unlike the QS (if it was not for the EO upping my CL that is).
Hope this helps Take it easy!