- Centurion Member
- Posts: 241
- Joined: Fri Jun 07, 2013 9:46 am
- Location: Broward County FL
Do you dine out more, or buy more groceries? That seems to be their only difference in rewards from what I can tell. I have the BoA cash rewards too and I find I'm not using it so much.. but it is my first credit card. BoA does give a 20% bonus when you redeem the rewards in their checking account.
If the rewards don't matter to you then I would close the youngest account since the average age of your accounts is a large factor in your score.
As far as growing... I haven't had my account grow too much, but I barely use it anymore and I've only asked for a $200 increase (which was big for me at the time - it was my first credit card, and I've had it nearly 1.5 years by now). If they would give me an auto-increase that would be nice, but I'm eyeing the BoA Better Balance rewards since it rewards $120/yearly just for paying it off in full.
American Express: Blue Cash Everyday (10k), Everyday, Plenti ; Discover It (7.3k) ; Target (1.6k)
Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates