CarefulBuilder14 wrote:Would Capital One suggest a $10k Venture? Or the QS they always send mail about? Nope - QS One. 1.5% cash with a $39 AF. Or I could get the no rewards, just an AF on the second year version of Platinum.
I haven't checked offers on Capital One recently, but it looks like they no longer send me any mail offers despite sending to my roommates. I did not opt out. When I checked in the past, they always gave QS1 and the 39 AF Platinum, neither of which I am interested in, not to mention the hefty interest rate.
CarefulBuilder14 wrote:US Bank, as before, seems to think I'm too risky for anything other than a debit card. I know they are very picky, but this does seem excessive. Maybe they wouldn't be so stringent with an actual application. Or maybe they would.
Bank of America is offering the Cash Rewards and Travel Rewards cards. The only appeal of the Cash Rewards (hypothetically moving indexed ETF investments to BofA for Platinum rewards status) is an extra 0.25% off non-Costco gas compared to Sallie Mae when neither Discover nor Freedom have it as a rotating category. So not worth the hassle. The travel card would be a straight 2.25%, no-FTF or AF card...so pretty good, but beatable by prudent UR/MR use.
For US Bank and BofA, I think both of them only give pre-qualified offers when the person checking online has banking relationship with them. I never see BofA and US Bank give pre-approved offers on the page, and never see a soft pull from them.
The BofA Cash Rewards card would be effectively substituted by AMEX BCE and Citi ThankYou Premier for me. BCE gives 3% on grocery while BofA gives 2%, with the same cap if maxed out. TY Premier will give 3 points/$ on travel including gas (no cap) beginning 4/19, so it's necessary to find some good values on the ThankYou Points, which may not be as easy.
CarefulBuilder14 wrote:Citi is offering the DC, TY Preferred, and TY Premier. There's no mention of the Diamond card, which is the one they've mailed ads about.
Citi used to keep sending the Diamond Preferred mail offer to me, but they no longer send those things since some time late autumn last year, even I was indeed pre-qualified online.
What is the APR Citi shows to you? Is that a very huge 22.99%, which is what my ThankYou Premier has?