Fidelity Amex or Double Cash

[Anonymous]

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@Anonymous wrote:
what's low standard? how are your reviews on this forum ANY different? same thing dude.

there's a reason reviews exist homie. they're people's real experiences.

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The difference is that I actually have the card and know my expierience, you are reporting a subset of stuff you have heard/seen without any knowledge of the "quality".   Yes, others can't really judge what is truthful, but not having the card but speaking so forcefully about stuff you have read on the internet (full of quality stuff)  isn't so great.  Especially when you feel the need to explode about people mentioning it.

[Ghoshida]

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@Anonymous wrote:

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@Anonymous wrote:
what's low standard? how are your reviews on this forum ANY different? same thing dude.

there's a reason reviews exist homie. they're people's real experiences.

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The difference is that I actually have the card and know my expierience, you are reporting a subset of stuff you have heard/seen without any knowledge of the "quality".   Yes, others can't really judge what is truthful, but not having the card but speaking so forcefully about stuff you have read on the internet (full of quality stuff)  isn't so great.  Especially when you feel the need to explode about people mentioning it.

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Anyways, I did some quick online review reading and the first (and most helpful) review that I got was here:

https://www.creditkarma.com/reviews/credit-card/single/id/CCCitiBank1299

The reviewer 747491 clearly said "Fact: 1% Cash Back on Payments, even if you choose not to pay the entire balance. (But do the math for your spending and paying habits; the extra 1% could be thwarted if you carry a balance.)  If you pay your current balance before your current statement close date, you get the full 2% in the same statement.  Otherwise, you will get the 1% Payment Reward on the following billing cycle. "

So that settles it. So far I wasn't going to agree to LTL because, well, no reason; this is the internet. But now I have found other more credible sources and I'm going with them.

[Anonymous]

and the reviews i read are from people who actually have the card so i am not understanding your logic. is it relatively easy to get the 2%? sure. but can mistakes happen? very easily.

and not once did i explode but when i am called out i don't take it lightly when i am VERY CLEAR on the fact my info came from reviews. i didn't say "this card sucks and you won't want it". no. i clearly was up front about it all and said to do your own research. the 2% back isn't convenient for everyone, especially people like me that pay 15 times a month. (ok i over exaggerated some but you get the picture)

i would say a solid 60-70% of people get the full 2% 100% of the time. but, in my opinion, (which most people actually respect for some reason) it isn't worth the hassle of "oh did i pay too early?"

just use you brain man that's all this is.

[celluloid17]

This post will likely be moot since the OP already got approved for Fidelity (congrats!), but in my personal experience of having both cards, I truly prefer Citi DC over Fidelity Amex.

There are definitely pros and cons of each, but for me, the pros of DC outweigh the Fidelity Amex.  

I prefer the lower redemption threshold of DC ($25 vs. $50).  MasterCard is more reliably accepted everywhere.  I have a few bills that will only take MC or Visa and was unable to use my Fidelity Amex as I had originally planned because of that.  I have a low limit on my Fidelity Amex and the only way for it to grow would be to take a HP CLI, whereas Citi offers SP CLIs every six months (I've already received one and will be up for another in October).  Also, I seem to be one of those unicorns who makes multiple payments on my Citi DC before the statement closes and I still get 2% back each and every time.  In fact, paying early ensures that I get the full 2%on the same statement, whereas if you let a balance report at the statement close you are only getting 1% on the current statement with the other 1% posting on the next statement after your payment posts.  It's not that complicated when you see it in action.  With Fidelity, you have to maintain the Cash Management Account (a perk if you're looking for a no fee checking account) to ensure you get the full 2%, otherwise it's only a 1% card if you lack the CMA (an account you have to open separately btw, as it doesn't come bundled with the card).  Citi has a decent mobile app as well, something FIA lacks altogether.  etc.

[taxi818]

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@Ghoshida wrote:

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@Anonymous wrote:

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@Anonymous wrote:
what's low standard? how are your reviews on this forum ANY different? same thing dude.

there's a reason reviews exist homie. they're people's real experiences.

---

The difference is that I actually have the card and know my expierience, you are reporting a subset of stuff you have heard/seen without any knowledge of the "quality".   Yes, others can't really judge what is truthful, but not having the card but speaking so forcefully about stuff you have read on the internet (full of quality stuff)  isn't so great.  Especially when you feel the need to explode about people mentioning it.

---

Anyways, I did some quick online review reading and the first (and most helpful) review that I got was here:

https://www.creditkarma.com/reviews/credit-card/single/id/CCCitiBank1299

The reviewer 747491 clearly said "Fact: 1% Cash Back on Payments, even if you choose not to pay the entire balance. (But do the math for your spending and paying habits; the extra 1% could be thwarted if you carry a balance.)  If you pay your current balance before your current statement close date, you get the full 2% in the same statement.  Otherwise, you will get the 1% Payment Reward on the following billing cycle. "

So that settles it. So far I wasn't going to agree to LTL because, well, no reason; this is the internet. But now I have found other more credible sources and I'm going with them.

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This is the way i understood it to be . no matter how i pay my balance or no matter paid in full. i will get my 2%.either right after this statement cuts. or after the next statement cuts. either way. i don't mind the extra wait and long as i get it. Thanks all.

[svtthis]

Anybody that is still on the fence about which card to choose here's what made me pick the amex over the dc card. The fidelity has a great cash management account that is associated with the card. I have a chase account now  and it  can't hold a candle to what the fidelity offers. While some may view as another hoop to jump through just to get the card, I saw it as another "perk". My chase account was very lacking unless I had either lots of money or wanted to pay a fee for the "extras". Whereas the fidelity account gives you all the "extras" for free. Just made sense for me.

[Anonymous]

What also makes the choice harder is that these happen to be the two ugliest credit cards that have ever existed. So you have to pick which one is least hideous looking. :-D

[Sharingan]

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@Anonymous wrote:
it depends on how you pay, as i stated. citi is conservative, as you should know. go purchase something today and pay it right after you purchase. i promise you that you will get 1% back my friend. go ahead, test it. enjoy your night. it's obvious your head is as big as your "satisfactory limit".

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I'm not even sure how to respond to this. Quite frankly, I think it speaks for itself. How you think you can argue misinformation with people who have the Double Cash card is quite preposterous. Even when others post evidence to the contrary in other threads, you still continue. When you don't have to rely on hearsay, you tend to sound a lot more credible and educated on the subject matter. 

As myself, and many others in the other Double cash thread have said, we are getting the full 2% on our purchases. That is regardless of when and how we pay our balances. You can stop spreading the nonsense now.