Choice of 3 CCs. Really, I have no reason to get the one charging me money. One offers 2 years of no APR. Other is 3% for a year, but it also provides $100 cash back potential and better rewards. The $100 cash back and rewards, but 3% APR means if I balance transfer $3400, that'll cost equal out the cash back and rewards. If I balance transfer more, I lose. What are the chances I ever take a Santander CC seriously anyway and actually use it? Pretty low, so then the Sphere with 2 years no APR makes sense. Have to hedge they give me at least $3500 from the get go, though, lol. Maybe do both? Do the Sphere when YOLO and do the Ultimate Cash Back a few hours or day or two later just to see. _check credit bureau used and if me being a member helps or not_ _CONSENSUS: Hope to get at least $3300 in credit with the Sphere card and go with that first. Rewards suck, but 2 year 0% APR balance transfers. #$project_credit_cards_yolo #credit_bureau_unsure #pub