Next year my last baddie is scheduled to fall off, and I would like to apply for a couple of cards to replace my two orchard cards which both have af's. Does anyone have any suggestions for cards that they really like? I generally use the cards for gas, bills and everyday purchases. It's very rare that I carry a balance, so interest rates aren't too important, but since I get cash back on my orchard visa I would like another card that has it.
Starting Score: 500
I'm very happy with my new Blue Cash, get upt 5% on gas and groceries on tier two which is really achievable. Besides, they have the coolest website I ever seen on any card.
I was just approved for a zync in march, do you think they will give me another card already?
Mmm, being my first experience with AMEX, I'm not sure of their practices. But I would say, if you have more than six months good history with them, probabilities are high.
But let's wait if someone more AMEX-savy, chimes in....
Ok, thanks for your response!
Discover more is a nice cash back card. It can have 1% cash back once you reach go pass $3000 I believe. It also has 5% on quarterly rotating categories such as department stores, movies, resturants. The thing is though, you get 5% only up to $300. Sometimes they double it though. I guess it depends on your spending habits. I'm currently a student and have no need to spend $300 in a department store or in restaurants in the course of 3 months. They have a nice online mall where you can get 1-20% more points from some popular merchants such as best buy. They have some great trade in values, especially for gift cards.
Chase freedom is pretty much the same thing as the Discover More except that you can get 1% across the board without spending a certain amounts. They also have a bonus point mall and it is a lot bigger than Discover More. Some merchants still give you more if you go through with Discover.
Citi also has a popular rewards card. Citi forward offers 5x points on a variety of things and 3x points for some. Can't remember off the top of my head. They don't usually give you point by point value like Discover and chase which is why I don't use the card as much. Citi is very generous with their credit limits though. They gave me a $4000 cl when i was a 6 month file ( a year ago). Amazon also falls under the 5x point category and I shop their a lot.
Penfed seems to be a great credit union around these parts. Many people here praise them. They have a nice rewards card with 5% for gas, 2% for supermarket purchases and 1% for everything else. Also NFCU seems to be very liberal ( generous) when it comes to credit limits. So look into them if you want some high cl.
Whatever card you end up wanting, just search here for them through the search tool and read what people say . Good luck 
Hey Gh0st,
Thanks for the break down. I am also a student, so I have no need to spend that much in the dept store either. Citi looks very attractive though
!!!
Soooooo, I get home and I have two pre-approval letters from citi for the diamond preferred rewards, and the platinum selct. Are these good cards, should I go for the forward instead, would I be able to get any of these cards with my scores?