Should I apple for a 2% cash back (currently using a 1.5%)?

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Hey all. Quick question. I currently use a CapitalOne Quicksilver with 1.5% Cash Back for my catch all cardrewards card. Would it make sense for me to "upgrade" to a 2% Cash Back card (such as a PayPal Mastercard or similar)? Would there be any major effect on my credit due to the drop in average age? I'm not planning on financing anything within the next few years. Current credit/credit card info below. Thanks!

Experian Fico 8 - 760
Credit card debt - $0

Current cards:

CapitalOne Quicksilver. Age: 8y 4m. Limit: $11K.
First Community Credit Union. Age: 5y 10m. Limit: $12.5K.
AMOCO Federal Credit Union. Age: 3y 6m. Limit: $5K

Tl;dr: Should I apply for a 2% cash back card to use instead of my current 1.5%? Any major negative impact to credit in doing so?

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kenneth196

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Posted: 9 months ago
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