If we're talking cashback not sure why anyone's app is lackluster enough to ignore it; even DCU which is a comparitively backwards CU is just fine for a transaction record, payment, and presumably rewards redemption in their app and their web interface.
There's a number of 2% options, doesn't make sense to ignore them honestly to have just one app which is rarely checked instead of two apps which are rarely checked: .5% adds up when we're talking lifetimes, and those are easy options nothing complex.
These days I'm only carrying two cards (CSR / FU) so I guess that would be my combo of choice FWIW.
Anyways what would your combo look like?
Driver's license and social security card.
Capital One QS
Honestly, I would want one of the two to be a low APR card for large purchases and unexpected expenses so the Platinum at its current 8.24% would be a winner.
For my other card, I would want one that I know is reliable, has simple cash back redemption, and a decent app so it would be the QS as well. The 2% from the PayPal is nice but I don’t like the Synchrony/PayPal portal mess and I don’t trust Sync to be there for me in a dispute like I know Capital One is (I’ve had two in the almost 5 years I have had my QS and Capital One went to bat for me in both of them).
I also wouldn’t want to park my business with just one lender and I would prefer at least one of the two to be with a CU so these two make even more sense.
For me my main card would be my Amex EDP since MR's get a great redemption valvue and then my BOA Premium Rewards for purchases that do not take Amex.
Citi DC and Amex BCE