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New to this forum. I currently have a 750 FICO score. I have have a Discover It (Limit: 1,300 Opened: Oct 2012) and an AMEX BCE (Limit: 2,300 Opened: Dec 2014).
I am graduating college in May and have secured a well paying job so I would like another card. I do like my cards, but not having a Visa or MC is just annoying as those are universally taken.
I have done my homework on the following cards, and want to hear your thoughts or experience son them.
Citi DC (I like the 2% cashback, although I've heard there is a long lag and Citi could nerf it)
Chase Freedom Unlimited (I use Chase for my checking so having these together would be nice, and I like the $150 bonus)
Cap1 QS (Although 1.5% cash back and no FTFs, only a $100 bonus)
I feel like I know the details of these cards, but again, I just want to hear your thoughts.
with your score, i would also consider Cap One Venture. Seems to be giving out some nice SL's and it grows pretty quick, I would also pay attention to cli's whether it is a hp or sp. You don't want to get an inq everytime you ask for a cli.
@Anonymous wrote:New to this forum. I currently have a 750 FICO score. I have have a Discover It (Limit: 1,300 Opened: Oct 2012) and an AMEX BCE (Limit: 2,300 Opened: Dec 2014).
I am graduating college in May and have secured a well paying job so I would like another card. I do like my cards, but not having a Visa or MC is just annoying as those are universally taken.
I have done my homework on the following cards, and want to hear your thoughts or experience son them.
Citi DC (I like the 2% cashback, although I've heard there is a long lag and Citi could nerf it)
Chase Freedom Unlimited (I use Chase for my checking so having these together would be nice, and I like the $150 bonus)
Cap1 QS (Although 1.5% cash back and no FTFs, only a $100 bonus)
I feel like I know the details of these cards, but again, I just want to hear your thoughts.
They're all good cards, 2 for cashback, 1 for rewards.
If you want a low interest, low fee card, go for the Penfed Promise or Barclay Ring.
Unless you plan to get a Chase branded annual fee card in the future (CSP or Ink+), I would get the Citi Double Cash. Even if it is nerfed, the possibility of it becoming worse than a 1.5% back card is very low, but you'd be taking advantage of 2% now. Of course, the sign-up bonuses for the other two cards you're interested in do make them more valuable than the Double Cash (unless you get a targeted sign-up bonus) in the short-term, so I'm sure you've considered that.
Overall, 2% vs. 1.5% isn't a huge difference but if you do plan on putting a lot of spend on those cards, then that 0.5% difference can give you some extra pocket change, if not more.