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Discover IT??

Regular Contributor

Discover IT??

Hi guys!  We are trying to determine our next card move.  We closed on our first home 10/24 and are now looking to upgrade our credit card collection.  We have had the NFCU Cash Rewards Visa with $25k limit, so I am not interested in rattling that tree anymore for now.  Since closing, we got a Sears Citi Card for interest free appliances and were just approved for the USAA Amex last week.  We have about 5 piddly credit cards between us and now want to grow up and hold quality cards, not just cards.  Does anyone have any feelings towards the Discover IT, or another card they love??

3 REPLIES
Frequent Contributor

Re: Discover IT??

Discover is great for the rotating 5% cats. You being a new home owner Lowes card is great to have and will grow being GECRB.



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FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all
Valued Contributor

Re: Discover IT??

Discover also now has a sign-up bonus on creditcards.com for $150 after spending $750, which may prove worthwhile!


Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | Diamond Preferred $6.5k FICOS: EX 775 EQ 764 TU 759 VantageScore 3.0: EX 759 EQ 757 TU 762
Senior Contributor

Re: Discover IT??

I like the Discover IT.

 

Sallie Mae World mastercard, for Gas if nothing else (up to $250/month worth of gas). plus 5% Grocery and 5% bookstores (amazon.com).

 

https://www.salliemae.com/landing/WorldCreditCard/

 

Since you have a family, the Sallie Mae monthly grocery limit will probably be limiting, so add a American Express Blue Cash Preferred. It has an annual fee, though. Blue Cash Everyday if you really don't like the fee.

 

Work on getting a US Bank Cash+ (or two). And the Fidelity Investment Rewards Amex for 2% on everything.

 

Much later, consider adding Chase Freedom, Citi Dividend, Huntington Voice, BankAmericard Better Balance Rewards(this one returns a high cash back percentage if used for a small monthly purchase. Like an internet bill, or a cable TV bill, etc).

 

If you need a travel card, someone else can advise Smiley Wink





TU-8: 755 EX-8: 771 EQ-8: 763    EX-8 Bankcard: 815    
TU-9 Bankcard: 795 EQ-9: 822
   EX-98: 735 EQ-04: 730
Total $437,800