Theatombomber

I was deciding between a Capital One card and a Wells Fargo card. Both offered unlimited 2% cash back. The Wells Fargo card included an 18-month 0% APR period and a $500 bonus for spending $10,000 in the first 3 months. Capital One advertised a much stronger incentive: $1,000 bonus after $10,000 spend in 3 months, and $2,000 after $30,000 spend in the first 3 months (with an annual fee starting after the first year). This higher bonus is exactly why I chose Capital One. After hitting the $10,000 spending requirement, I contacted customer service to redeem the bonus. I was told the $10,000 tier