Credit Card Center Advertiser Disclosure

Reply
Member
Posts: 7
Registered: ‎05-25-2011
0 Kudos

First Prime Card

I am currently gardening, but will be leaving soon.  I would like a prime card, ideally a miles card from Chase or AmEx.  My credit profile is a pretty mixed-bag-

 

HSBC/Cap1 MC, opened 10/2002, $1035CL

Paypal Smart Connect, 08/2011, $1500CL

Macy's, 10/2011, $3000CL

Cap1 Visa, 11/2011, $1500CL

AmEx Zync, 12/2011, $500PSL (CL not reported)

Marathon Gas, 03/2012, $600CL

Von Maur, 06/2012, $500CL (CL not reported)

Target, 08/2012, $200CL

MTV Visa, 12/2012, $750CL, soon to be $1250

 

4 student loans opened in 2007-2008, 2 PIF, 2 in repayment

1 unpaid C/O in 2008, 1 settled collection in 2011

Utilitzation at 50% and dropping, 100% on-time payment history with all open (and closed) accounts

 

My app spree of 2011 will be dropping off soon.  During the holidays I'd like to apply for 2-3 prime cards with travel rewards and close a few of my newer toy cards.  Any ideas or thoughts are appreciated.

 


Starting Score: 595
Current Score: EX 647 TU 610
Goal Score: 750


Take the FICO Fitness Challenge
Blogger
Posts: 3,367
Registered: ‎10-19-2012
0 Kudos

Re: First Prime Card

Do you have particular interest in any travel loyalty program? 

For cash rewards, I suggest the following:

1. FIA Fidelity or Barclays Priceline: 2% on everything.

2. BofA BankAmericard Travel Rewards: 1.5% on everything; 1.65% if you bank with BofA. Free entrance to select museums on the first full weekend of every month. 
3. Discover It: 1% on everything; 5% rotating. Access to the awesome Shop Discover online mall. Price protection.

4. Chase Freedom: similar to Discover It. Access to Ultimate Rewards online mall.

5. US Bank Cash+: 1% on everything; 5% selected.

These all come without annual fees. 

New Contributor
Posts: 51
Registered: ‎06-01-2013
0 Kudos

Re: First Prime Card

in addition to all of the ones listed above, I'd add Citi Platinum Dividend to the list. It's similar to the Discover It and Chase Freedom in that you get 1% cash back on everything plus 5% in rotating categories. It also comes with a PriceRewind feature, extended warranty, 60 day returns on most durable goods, rental car insurance, good customer service, etc. I've used it as my primary daily spending card for about 2 years and can't complain. 

Citi Platinum Dividend $34,600 line, 14.2%%
Bank of America Platinum Rewards, $85,000 line, 13.99%
Discover It $50,000 line, 20.9%
Amex Blue Cash Preferred $18,000 line, 9.99%
Capital One Venture One, $8,500 line, 20.9%
Amex Hilton Honors $25,000 line, 17.24%

Amex Delta Platinum, 20,000 line, 22.99%
Belk store card, $124 line, 15%, $0 balance on all cards
New Member
Posts: 3
Registered: ‎06-03-2013
0 Kudos

Re: First Prime Card

Amex Delta is worth considering too. It's pretty much the easiest Amex card to get into, and can sometimes be easier than Chase Freedom even.

The rewards on it are decent, but outside of the general amex stuff, nothing to write home about. The reason to get it would mostly be to aim for the 3x cli in 61 days, and then have a card reporting with a substancial CL.

Member
Posts: 7
Registered: ‎05-25-2011
0 Kudos

Re: First Prime Card

Thank you for the advice.  I'd like to get a card that earns miles on United, Delta, or their affiliates.  I am planning to app for an AmEx Green in a few months, but would like a decent revoler too.


Starting Score: 595
Current Score: EX 647 TU 610
Goal Score: 750


Take the FICO Fitness Challenge
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0 Kudos

Re: First Prime Card

To add to the previous lists, since you mentioned United- Chase Explorer
Highlighted
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0 Kudos

Re: First Prime Card


09Lexie wrote:
To add to the previous lists, since you mentioned United- Chase Explorer

It's 45k miles bonus baby.......One of my dream card after i closing on my house Smiley Very Happy


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.