My 8th and final app

[Anonymous]

Fico family I need some insight and opinions. 

I have the following cards currently in my sig and will be adding a 7th in the lineup which will be the Chase Saphirre Pref.

For the 8th card, I was thinking of either  1) Capital One Quicksilver, ( cash back, good service for my parents so far and good on automatic Cls) 

2) Wells Fargo Cash back (  Do I really need a relationship before I app? Like a savings or checkings, if so how long does it need to be established for?)

3) US Bank Cash+ ( I heard app by phone now, and the rewards are decent)

4) Sallie Mae ( Just for rewards)

Would like for some suggestions / opinions to help me choose one before 2015. 

Current scores : All 3 range 720 - 750 Fico. 11 Months Credit History. All PIF, no BK's, 1 auto loan.

Would like my cards to enter the garden the same Year, I am picky  

Thanks guys.

[Ghoshida]

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@Anonymous wrote:

Fico family I need some insight and opinions. 

I have the following cards currently in my sig and will be adding a 7th in the lineup which will be the Chase Saphirre Pref.

For the 8th card, I was thinking of either  1) Capital One Quicksilver, ( cash back, good service for my parents so far and good on automatic Cls) 

2) Wells Fargo Cash back (  Do I really need a relationship before I app? Like a savings or checkings, if so how long does it need to be established for?)

3) US Bank Cash+ ( I heard app by phone now, and the rewards are decent)

4) Sallie Mae ( Just for rewards)

Would like for some suggestions / opinions to help me choose one before 2015. 

Current scores : All 3 range 720 - 750 Fico. 11 Months Credit History. All PIF, no BK's, 1 auto loan.

Would like my cards to enter the garden the same Year, I am picky  

Thanks guys.

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You have the Citi DC so Cap One Won't be better in terms of rewards. 

I'd recommend 1) Sallie Mae and then 2) Cash+

[Anonymous]

For your situation,

Sallie Mae > US Bank Cash+ >>>>>>>>>>>> Quicksilver (since you have the Double Cash) >>> WF (none of WF's credit cards are good. They are all outclassed by something better, and this is coming from someone who has a WF credit card.

And in my opinion for general situations, 

Double Cash >= Sallie Mae > US Bank Cash+ (since restaurants were nerfed) >>> any other no annual fee card.

[Anonymous]

Do you need a relationship with Wells Fargo to open a CL with them?

[Anonymous]

Absolutely go for Sallie Mae!

[Anonymous]

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@Ghoshida wrote:

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@Anonymous wrote:

Fico family I need some insight and opinions. 

I have the following cards currently in my sig and will be adding a 7th in the lineup which will be the Chase Saphirre Pref.

For the 8th card, I was thinking of either  1) Capital One Quicksilver, ( cash back, good service for my parents so far and good on automatic Cls) 

2) Wells Fargo Cash back (  Do I really need a relationship before I app? Like a savings or checkings, if so how long does it need to be established for?)

3) US Bank Cash+ ( I heard app by phone now, and the rewards are decent)

4) Sallie Mae ( Just for rewards)

Would like for some suggestions / opinions to help me choose one before 2015. 

Current scores : All 3 range 720 - 750 Fico. 11 Months Credit History. All PIF, no BK's, 1 auto loan.

Would like my cards to enter the garden the same Year, I am picky  

Thanks guys.

---

You have the Citi DC so Cap One Won't be better in terms of rewards. 

I'd recommend 1) Sallie Mae and then 2) Cash+

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+1

[MoreRewards]

SALLIE MAE!

[Anonymous]

Wells really doesn't have anything special.  I app'd for the Wells Propel (not sure why).  Was declined for no banking relationship.  First time I have ever been denied credit.  Still can't believe it.  YMMV

[Anonymous]

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@MoreRewards wrote:
SALLIE MAE!

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+1

[mountainmom]

If you get a WF offer for 5% groceries, gas, drugstore for 6 months I think that's a great deal. But I shop at Walmart a lot and annex doesn't count them as a store. .. so for me that will be a significant amount of rewards the next 6 months. Otherwise I don't think they are worth it.