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Best Visa

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Anonymous
Not applicable

Best Visa

First off I love this forum.

Second, I already have Discover and Amex, and really would like to have a Visa/Mastercard too. Which would I be most suited for?

 

My experian is 768 via my discover card.

I also have Kohls, Carecredit, Hdepot and a military star.

 

my amex has a high balance because of a home emergency, which I think is the reason my score dropped from 792.

 

I have no baddies ever and oldest credit is 8 years.

oh and have a mortgage.

 

sorry, Im a newbie at forums. thanks for any suggestions.

Message 1 of 21
20 REPLIES 20
Creditaddict
Legendary Contributor

Re: Best Visa


@Anonymous wrote:

First off I love this forum.

Second, I already have Discover and Amex, and really would like to have a Visa/Mastercard too. Which would I be most suited for?

 

My experian is 768 via my discover card.

I also have Kohls, Carecredit, Hdepot and a military star.

 

my amex has a high balance because of a home emergency, which I think is the reason my score dropped from 792.

 

I have no baddies ever and oldest credit is 8 years.

oh and have a mortgage.

 

sorry, Im a newbie at forums. thanks for any suggestions.


What cards and limits you have now?

What is high balance on amex?

Message 2 of 21
Cellice
Regular Contributor

Re: Best Visa


@Anonymous wrote:

First off I love this forum.

Second, I already have Discover and Amex, and really would like to have a Visa/Mastercard too. Which would I be most suited for?

 

My experian is 768 via my discover card.

I also have Kohls, Carecredit, Hdepot and a military star.

 

my amex has a high balance because of a home emergency, which I think is the reason my score dropped from 792.

 

I have no baddies ever and oldest credit is 8 years.

oh and have a mortgage.

 

sorry, Im a newbie at forums. thanks for any suggestions.


Get your utilization below 9% and then start applying. As for which card you should get, it depends on what you are looking for. Low interest? Cash rewards? Travel points?

Message 3 of 21
Anonymous
Not applicable

Re: Best Visa

4k discover, 400 balance

5k Amex, 1800 balance

1500 Kohls, 0 balance

4500 hdepot, 0 balance

10k, starcard, 1500 balance on a no interest purchase have 13 more months to pif before an interest charge.

4250 carecredit, 0 balance saving for kids braces in future.

310k mortgage.

Message 4 of 21
Anonymous
Not applicable

Re: Best Visa

See, idk what Im looking for, this forum has shown me that Im using credit wrong. I was always taught credit was for emergencies only, so I just have them sitting around until that happens, which now I know I should have used them to pay bills and then pif right away. My kohls charge helped build my credit and I was able to buy my first house. 

 

I really love my discover card though, and the rewards, so maybe Im a rewards type person.

Message 5 of 21
jamesdwi
Valued Contributor

Re: Best Visa

Chase Freedom  $0 AF   good rewards. 

or 

Chase Saphire prefered  AF $95 if you spend enough it will pay for it self... 

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k
Message 6 of 21
john398
Senior Contributor

Re: Best Visa

+1 chase freedom

Message 7 of 21
jsucool76
Super Contributor

Re: Best Visa


@jamesdwi wrote:

Chase Freedom  $0 AF   good rewards. 

or 

Chase Saphire prefered  AF $95 if you spend enough it will pay for it self... 


Psht, who cares about AF when you could have an epic looking card made out of metal!!!

 

 

Message 8 of 21
linux007969
Established Contributor

Re: Best Visa


@Anonymous wrote:

First off I love this forum.

Second, I already have Discover and Amex, and really would like to have a Visa/Mastercard too. Which would I be most suited for?

 

My experian is 768 via my discover card.

I also have Kohls, Carecredit, Hdepot and a military star.

 

my amex has a high balance because of a home emergency, which I think is the reason my score dropped from 792.

 

I have no baddies ever and oldest credit is 8 years.

oh and have a mortgage.

 

sorry, Im a newbie at forums. thanks for any suggestions.


You could look at the BankAmeriCard Cash Rewards Card. https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card.go?cid=2083809&po=B9

 


Rebuilding Credit since 2016
Debt: Almost $80,000
Message 9 of 21
Crashem
Valued Contributor

Re: Best Visa

Noticed the Military Star.  Are you still in service or retired (as opposed to veteran)?

               LIMITS IN CARD DESCRIPTIONS
Message 10 of 21
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