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@pdxmike wrote:
I like unlimited cash back on everything. I have a new Fidelity Amex at 4k (as well as Citi Double Cash and Discover it Miles). I'm wondering if I'll be likely to be approved for a Fidelity Visa in 6 months if I CLI the Fidelity Amex as much as possible between now and then? Or will FIA probably say they've already extended all the credit they're comfortable with for now?
What is the attraction of the FIdelity Visa? (I know that isn't your question, just wondering!)
Fidelity Visa is only 1.5% cash back. Those types of cards are fairly common, so there is no need to get one from Fidelity since you would eventually be splitting whatever the max credit exposure Fidelity is willing to extend to you over 2 cards instead of one. Plus you would lack diversity.
A few random alternatives:
FNBO Bucksback 2%
Citizens Bank Cash Back Plus 1.8%
Capital One Quicksilver 1.5%
USAA Preferred Cash Rewards 1.5%
Barclaycard CashForward 1.5%
M&T Visa Signature 1.5%
TD Ameritrade Client Rewards Credit Card 1.5%
Penfed Defender 1.5%
etc...
NASA FCU goes to 1.25% after the first $1000 spend, and goes to 2% after the second $1000 spend each year.
I would recommend going for FNBO Bucksback 2% Visa instead. They have this limited time offer and you can apply till the end of this month.
@Themanwhocan wrote:
FNBO Bucksback 2%
Citizens Bank Cash Back Plus 1.8%
Thank you for the suggestions! Do FNBO and Citizens Bank offer CCs and deposit accounts to anyone in the US, or are there region restrictions?
@Themanwhocan wrote:NASA FCU goes to 1.25% after the first $1000 spend, and goes to 2% after the second $1000 spend each year.
Good one, thanks!
@uswala wrote:I would recommend going for FNBO Bucksback 2% Visa instead. They have this limited time offer and you can apply till the end of this month.
Does FNBO do automatic approvals? All my cards until recently were authorized user cards that are ignored in manual reviews, so a manual review before year's end will likely see me as a new user of credit.
According to Doctor of Credit, FNBO cards are only available to applicants in Colorado, Illinois, Iowa, Kansas, Nebraska, South Dakota and Texas. Has that been everyone else's experience, too?
@pdxmike wrote:According to Doctor of Credit, FNBO cards are only available to applicants in Colorado, Illinois, Iowa, Kansas, Nebraska, South Dakota and Texas. Has that been everyone else's experience, too?
Hello,
I've made multiple posts on FNBO card NOT being geographically restricted. If you see my FNBO thread, you can see my letter say I'm from California, and I got approved for the card.
http://ficoforums.myfico.com/t5/Credit-Cards/Got-my-FNBO-2-BucksBack/td-p/4362594
In the state field, just select any state while writing the rest of your address correctly.
Good luck.
@Anonymous wrote:
I've made multiple posts on FNBO card NOT being geographically restricted. If you see my FNBO thread, you can see my letter say I'm from California, and I got approved for the card.
Ok, well, my last question about FNBO is, do they do automatic approvals?
Also, several sources, such as this one, say that Citizens Bank CB is limited to 1.65% if you're outside Connecticut, Delaware, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, and Vermont. That's because the extra 0.15% is dependent on depositing into Citizens Bank accounts, which are only available in those states. Is that everyone else's experience, too?