RidgeRacerJM wrote:I already have the 1.5% card from Capital One.... Not sure if 1.5% directly deposited into my Schwab Account would make a big difference... Should I skip it? Not sure what questions I should be asking myself in regards to this card.
Thanks to the replies in advance.
Are you likely to spend the accumulated rewards from Capital One unproductively? Would money going directly to your Schwab account make you less likely to waste it?
Unless the direct deposit makes it easier to keep good money habits, the card's only improvements are the $100 bonus and sometimes-useful Amex Offers.
What do you do with your MRs from Amex PRG? If you get good value from the points as airline miles, maybe you won't have much use for a 1.5% cash Amex.