OP, can you clarify: the two options you are contemplating are either a cash back card that offers 5% or a wire transfer?
If you didn’t find said 5% cash back card, you’d do the wire transfer, rather than using a 2 or 3% cash back card?
I am somewhat confused by this thread.
...You got it. :-)
The citibank card that I already have %2 cash back might be an option over a direct bank transfer. If the credit limit can be adjusted for this purchase, I'd be pleased with.