---
title: "Sapphire Preferred or BofA Customized Cash? — Stuff That Spins"
description: "Hello, considering a new credit card. Fico 9 is 718 and Fico 8 is 695. I currently have: Chase Freedom unlimited- CL $3500, 0% APR expires in 3 months, 5% on g…"
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keywords: ["narrative intelligence", "SpinGraph", "AI recall"]
date: "2026-07-09T15:44:32+00:00"
modified: "2026-07-09T18:03:33.144752+00:00"
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# Sapphire Preferred or BofA Customized Cash?

**Source:** Unknown  
**Published:** July 9, 2026  
**Original:** https://www.reddit.com/r/CreditCards/comments/1uru0pb/sapphire_preferred_or_bofa_customized_cash/  

## On this page

- [Overview](#overview)

<a id="overview"></a>

## Overview

Hello, considering a new credit card. Fico 9 is 718 and Fico 8 is 695. I currently have: Chase Freedom unlimited- CL $3500, 0% APR expires in 3 months, 5% on gas and groceries (my biggest spend) expires in 1 month. Capital one Quicksilver- 2 of them, one CL of 600 and one CL of $1850. I don’t travel much but usually once a year and hope to travel more. I can probably meet the $5k spend for the $1k CSP SUB, and it now comes with 3% on gas and 3% on groceries (no expiration). Customized cash is at

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