I personally fully expect Ally to continue being competitive as they have a history of matching rates competitively. Sometimes there are gimmicky rates that ar

I personally fully expect Ally to continue being competitive as they have a history of matching rates competitively. Sometimes there are gimmicky rates that are nice to take advantage of for a bit, but they usually have some annoying requirements to get the high rate and limit the amount you can get. If Apple isn't losing money on a temporary rate to get some customers then Ally will have it's rate go up, as it's one of their main competitive advantages. Also, the Chase cards are usually better to get as the opening bonuses are among the highest out there, making them far more advantageous to get for overall straight cash back. Ideally you get the less useful cards like target and Amazon after getting their line of cards. Discover and Chase often times will have Amazon and target for five percent on their quarterly cards as well. Chase points on one of their Sapphire travel cards are also extremely valuable. Some of their travel partners can have offers that reduce the hotel prices down to fifty percent or more of the cash price. And the guaranteed increase in point value for plane tickets is also very nice. Never been able to justify the cost of their more expensive Sapphire, but the Sapphire preferred usually pays for itself after just one trip. The one thing to be wary of is their 5/24 rule, but usually that only hits churners.