I was hoping for a %2 unlimited cash back card like the double cash that had longer lasting rewards. 3 years is much better than 12 or 13 months for rewards to expire.
I didn't apply for it yesterday when it looked like it was open to all 50 states as I never just jump into things like that. Now it's limited to just a handful of states and I don't happen to be included. They use the term "currently" when talking about the geo limits so does that mean there is a chance before the end of the year I might get in or did I just miss the boat on this one like the $250 1k spend bonus on the amex BCE card?
I feel like I am missing all the boats as I really felt the Salle Mae MasterCard would have fit perfectly with my spend, but I waited too long.
The app for this card felt a little bit more invasive than I am used to asking for checking, savings and investment account balances to the dollar no drop box or a yes/no question.
The only thing is I think it would have been hard for me to get approved for this card as I don't think they would like the fact I only put a token/min amount just to say on most loan apps that I have a savings account. Well and with my 750-760 FICO I get nearly the worst APR each time I have applied for a card this year so the idea of getting approved a high rewards card at %11 seemed like I might just be putting a two year dent in my report for nothing. So if they had a higher APR I might have been more likely to apply when it was open to all. (Like %19-21 every time for the normal rate. I don't care about that as I always PIF unless that APR is %0 then well it's free money. LOL)
P.S I signed up for the discover IT in the last few months as I hoped by next year maybe someone would come out with something like the double cash card but give longer than 12 months to redeem rewards.
When I looked at it on the 4th it allowed you to use any state you wanted but now it has that disclaimer at the top of the app page saying "We are currently only accepting applications from the following States: Colorado, Illinois, Iowa, Kansas, Nebraska, South Dakota, Texas."