Despite their (well-deserved) nickname of Crap1, Capital One's Quicksilver card is among the best in cash back rewards. Did you receive the one without the annual fee? If so, a $10K limit with that card is golden! You couple that with Chase Freedom's rotating categories, and you're in business.
As far as AMEX BCE, their revolvers are pretty tough to get. Do you know your EX score? What's your uti%? Amex seems to care about those two things. If you feel confident, go for it, but you will almost certainly be approved for one of their charge cards, which will help you get the BCE after 6 months of on-time payments.
Here's my list that I'm using to scope out cards. The requirement is that there must be no annual fee.
| General | Cash | Travel | Rewards | |||||||||
| Purpose | Card | Make | Credit | No Ann Fee | No preset limit | Events | Quarterly Category | Other | No Foreign Tx Fee | Chip | Miles | Points |
| Travel | BankAmericard Travel Rewards | Visa | ? | X | X | X | 1.50% | |||||
| Cash | Discover it | Discover | ? | X | 5% Capped must sign up | 1.00% | X | |||||
| Cap1 Quickliver Cash Rewards | Visa Sig | Excellent | X | X | 1.50% | 1.50% | X | |||||
| Citi Dividend Platinum Select | Visa | ? | X | 5%, enroll 300 annual cap | 1%, 5% Hilton | 3.00% | ||||||
| BankAmericard Cash Rewards | Visa Sig | ? | X | ? | 2% groc, 3% gas 1500/qtr | 1.00% | 3.00% | X | ||||
| Chase Freedom | Visa Sig? | ? | X | 5% 1500/qtr | 1.00% | 3.00% | ||||||
| Miles | VentureOne Capital Rewards | Visa Sig | Excellent | X | X | X | 1.25% | |||||
| Discover Miles | Discover | ? | X | 1.00% | ||||||||
| Points | Chase Sapphire | Visa/(MC) | ? | X | 3.00% | 2% dining, 1% | ||||||
| Citi Thank You Preferred Card | ? | ? | X | X | 3.00% | X | 1.00% | |||||
| Entertainment | Citi Diamond Preferred | MC | Excellent | X | X | 3.00% | ||||||
| Low Interest | ||||||||||||
| Charge | Amex Premier Rewards Gold | Amex |
Starting Score: EQ 660, TU 698 | 30-Jan 2011
@CEOriginal wrote:Despite their (well-deserved) nickname of Crap1, Capital One's Quicksilver card is among the best in cash back rewards. Did you receive the one without the annual fee? If so, a $10K limit with that card is golden! You couple that with Chase Freedom's rotating categories, and you're in business.
As far as AMEX BCE, their revolvers are pretty tough to get. Do you know your EX score? What's your uti%? Amex seems to care about those two things. If you feel confident, go for it, but you will almost certainly be approved for one of their charge cards, which will help you get the BCE after 6 months of on-time payments.
I did it over the phone, so I hope I got the one w/o the annual fee. That's the one I asked for. That's the big requirement for any CC I hold. I don't want to spend money to spend money.
Does Chace Feedom have better categories than Discover?
The categories rotate. Freedom is a Visa and more wildly accepted than Discover. If you are contemplating the CSP then go with Freedom. They work well together.
What can I get with Chase Points?
Don't take this the wrong way, it's only my lack of experience with rewards cards... Points reminds me of skeeball (with the tickets) that you turn in for prizes... Can I redeem the points for anything good? Cash?
Thanks,
JD12
The first question on the application is:
Is your credit history clear from bankruptcies and/or seriously delinquent accounts?
I still have 2 baddies from 07+08 where I have 120 days late.
Should I not apply to this?
4-5 years ago should be fine. You've since reestablished; correct?
Yes,
Perfect credit since 08. My score is about a 720.
what was your CLI on your secured card if you dont mind me askin
