Credit Card Center Advertiser Disclosure

New Visitor
Posts: 1
Registered: ‎10-09-2012
0 Kudos

I'd like a new credit card... Which cards should I be applying for?

I just checked my Equifax score, and it looks like its 772.  I would like a new credit card as a "just in case."  I use my Amex Zync card 99% of the time, but I'd like something else: A) If somewhere doesn't accept American Express or B) Just for additional bonuses (cash back, points, etc).  I also plan on buying a laptop ASAP, so if I'm able to get a card that has 6-12 months of 0% financing that'd be very beneficial.  I was just going to go to Best Buy and take advantage of their 0% 18 month financing, but I'd rather have a card I can continually use (I rarely, if ever shop at Best Buy lol).


Is there a resource, or does anyone know what kind of cards I should be applying for in this range?

Established Contributor
Posts: 946
Registered: ‎06-12-2012
0 Kudos

Re: I'd like a new credit card... Which cards should I be applying for?

Well since you are looking to mainly use it in the event someone doesn't accept AMEX there is a chance they will not accept Visa or Discover either so I'd stick with Mastercard for 99.99% acceptance worldwide. I would also stick with a no foreign transaction fee card since if you ever plan to travel you won't use your AMEX due to lack of acceptance and foreign transaction fees. So a no foreign transaction fee Mastercard..


The choice that would come to my mind would be the Chase Sapphire Preferred Mastercard with a 40,000 point ($400+) sign up bonus although after the first year you would have to justify the $95 AF, which isn't hard to do if you use it for the 2% food/travel. This card is 15% with no 0% intro, but I'm sure the sign-up bonus would offset any interest charge.


Don't forget, you have to go through to get the Mastercard version CSP application.

AMEX SPG $20K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $10k | | NASA Platinum-Advantage $10k | CapOne Quicksilver $10k | Amazon Card $10k | NASA PLOC $30k @ 8.25% | Joined myFICO 6/12 with a 540 FICO & today I'm over 750!
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0 Kudos

Re: I'd like a new credit card... Which cards should I be applying for?

We can't said anything since we don't know your credit file........

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

Valued Contributor
Posts: 2,140
Registered: ‎03-30-2012
0 Kudos

Re: I'd like a new credit card... Which cards should I be applying for?

If you want to finance a computer, and want to go Mac, you can do the Apple Financing Visa card from Barclays. They run 0% for 12 months all of the time. Pretty generous with CL, too.

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Frequent Contributor
Posts: 367
Registered: ‎06-02-2008
0 Kudos

Re: I'd like a new credit card... Which cards should I be applying for?

I'd say Chase Sapphire Preferred or Capital One Venture

AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
Homeowner since 05/29/13
Established Contributor
Posts: 731
Registered: ‎02-15-2012
0 Kudos

Re: I'd like a new credit card... Which cards should I be applying for?

You could look at the Chase Freedom card.  It has 15 months of 0% and is a solid cashback card.  Since the Amex you have is a Zync, I assume you don't travel frequently.  If you do, you should take a look at the Sapphire Preferred.  It doesn't have a 0% offer, but even if you do have to carry a balance, the signup bonus will make up for that.  Also, all of Capitol One's products waive forex fees.

FICOs (2/24/12): EX 752, EQ 740
Chase Sapphire Preferred, Freedom; American Express PR Gold, Blue Cash Everyday

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 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.