Replacing Fidelity AMEX with DC

[knhorn]

I'm thinking about closing my Fidelity AMEX and replacing it with the new Citi Double Cash. It seems like a lot nicer of a card without having to jump through hoops to redeem your rewards for the full 2%. Would anyone have any objection to this? The only thing that I could think of keeping it for would be 2% CB at Costco, but that's irrelevant to me.

[yfan]

If 2% cashback at Costco isn't important, then I'd say go for it. I just mulled it over for a long time and just hung up the phone from requesting a product chance to the DC from my Dividend. I'm looking forward to what is essentially a straight 2% card. It does not bode too well for my Capital One QS though. I would hate to SD them but other than traveling abroad, I no longer see use for them.

[Involver]

Why close it? FIA is good with CLI on this card, it can be combined with other BoA lines in the future, and there is no AF.

[SunriseEarth]

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@knhorn wrote:

I'm thinking about closing my Fidelity AMEX and replacing it with the new Citi Double Cash. It seems like a lot nicer of a card without having to jump through hoops to redeem your rewards for the full 2%. Would anyone have any objection to this? The only thing that I could think of keeping it for would be 2% CB at Costco, but that's irrelevant to me.

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If it makes sense to you, do it.   The MC certainly has more acceptance than the AMEX.   However, some have found that FIA is willing to help your CL grow.  Citi is starting people off with anemic CLs; members have commonly taken 2nd HPs just for a decent CL.   

As this is also my first Citi CC since pre-BK, I can't say that I'm very impressed so far.   The website and mobile app can't even come close to AMEX or Cap One; TBH, I think my Merrick Card might even beat Citi on both of these!   I'm also not pleased with the high APR or the low CL.   So far, they haven't replaced my QS1 like I expected they would.  

[Anonymous]

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@Involver wrote:
Why close it? FIA is good with CLI on this card, it can be combined with other BoA lines in the future, and there is no AF.

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It might also make sense to keep it open for Amex Sync offers, which I have found sometimes useful

[ezdoesit]

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@yfan wrote:

If 2% cashback at Costco isn't important, then I'd say go for it. I just mulled it over for a long time and just hung up the phone from requesting a product chance to the DC from my Dividend. I'm looking forward to what is essentially a straight 2% card. It does not bode too well for my Capital One QS though. I would hate to SD them but other than traveling abroad, I no longer see use for them.

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Did you already product change?  The reason I ask is I would suggest keeping the Dividend open for the 5% categories plus the dividend lets you max out the yearly limit in one quarter not like ohers that only let you do $1500 per quarter.  Also going around has been a targeted offer for a $200 sign up bonus some people on here got the sign up bonus even after they applied by sending a secured message to the EO.

[score_building]

Citi may change the rewards program on DC at any time, keep your options open.

[Creditaddict]

We PC a citi card to the DC and it's our primary now and Fidelity is our secondary just simply becasue of getting at the rewards and since I don't really know how to invest the fidelity ones which was my original point of getting it and not having the rewards cash disappear and not know where it went!

[mongstradamus]

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@yfan wrote:

If 2% cashback at Costco isn't important, then I'd say go for it. I just mulled it over for a long time and just hung up the phone from requesting a product chance to the DC from my Dividend. I'm looking forward to what is essentially a straight 2% card. It does not bode too well for my Capital One QS though. I would hate to SD them but other than traveling abroad, I no longer see use for them.

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Not to be an dead horse but there are still some advantages QS has over DC, i wouldn't be so quick to dump qs.

[wacdenney]

I've had nothing but heartache from Citi and nothing but love from FIA personally.  My Diamond Prefferred is my lowest limit and has been for a long time.  Citi wont give me a CLI for anything.  I will probably go ahead and PC my Diamond card to DC in November but I'm certainly not dumping Fidelity.  They have been good to me unlike Citi.