I opened a Petal Visa Card (now upgraded to a Petal 2) in August 2019 as my first foray into credit cards in an effort to build up my FICO score. Two years later, I'm up to four cards and my Petal's 1.5% back on all categories is only just keeping pace in terms of spending rewards. However, within the last month Petal has implemented a mandatory two-factor authentication setting to access the app or login to my account via browser. Even to just see the remaining balance on of my account I have to enter a code sent to me by text, and I have to do it every time I leave the app/website for longer than 15 minutes. I called their customer service line and confirmed there is no way to change it, that's their new setting.

With this new infuriating hoop, I'm strongly in favor of cancelling the card outright and getting a different card to give the same or better rewards for everyday spending. This might be an overreaction, but I really can't stand the hassle of this extra security step. I have mulled over cancelling the card for a few months but kept from pulling the trigger because it was my oldest line of revolving credit by about 10 months. This required two-factor authentication feels like the final straw.

Current cards:

• Petal Visa 2, $3,500 limit, August 2019

• DiscoverIt Cash Back, $7,500 limit, June 2020

• Amazon Prime Rewards Visa Signature, $5,500 limit, March 2021

• Chase Freedom Flex, $2,400 limit, May 2021

FICO Score: 763 Experian, 751 TransUnion

Oldest account age: 2 Years Revolving; 6 Years Installment (Student Loan)

Chase 5/24 status: 4/24, Will be 3/24 come September

Income: $36,000

Largest monthly spending categories(rough average):

Groceries: $300

Dining: $200

Miscellaneous (Gas, Travel, Entertainment): $200

I'm prioritizing a general spend card in this instance as it would be replacing my current go-to everyday card, but category cards aren't completely out of the question. For more context on my goals, any cashback that can't be redeemed for larger savings (think Amazon discounts for spending Amazon reward points) is being treated as funds to go into investments accounts either through bank transfers or "reimbursements" when the rewards can only be redeemed for statement credits.

I'm currently debating between the following:

• Citi Double Cash Back - A no-frills workhorse that's a straight upgrade from a minimum 1.5% back to 2%

• Fidelity Rewards Visa Signature - 2% back as well with the easiest way to transfer to Fidelity investment accounts

• Chase Freedom Unlimited - A lateral move in terms of base rewards percentage, but further integration into the Chase ecosystem which would allow for higher redemption value in the event I ever get a Sapphire Preferred or Sapphire Reserve

• Citi Custom Cash - The 5% back on the highest monthly spend category sounds like a fantastic addition to an arsenal to pick up the slack when my quarterly categories from Discover or Chase aren't covering particular areas (Gas spend at the moment, Groceries when the Freedom Flex category rotates at the end of September

TL;DR: Very likely to cancel 2 year old starter card due to dissatisfaction with offering and practices, debating between what would be best alternative