Should I open another credit card? Recommendations?

[ksquared]

I use credit karama for monitoring my credit. I know the score isn't completely accurate but its always been within 20-30 points too low. but anyways it gives me a D rating for credit lines open.

Heres what I have

Amex Blue Cash

Citi Forward

Citi DoubleCash

Chase Freedom

Target

Barclays Barnes and Noble

and i'm an authorized user still on my moms capital one however i need to get off that now that im 4 years post college and on my own.

I feel like thats enough but should I add another? Im thinking of Discover IT or wondering if you guys have recommendations. I prefer rewards cards and I have around 750 fico score.

[myjourney]

CSP for a 1-2 punch with the Freedom 

Depending on history and current limits of course 

[ojefferyo]

question is do you NEED another card?

[Anonymous]

Not quite sure why you would want to get a Discover card when you already have Double Cash and Chase Freedom. It's a little redundant to have so many cash back cards. If you're going to get anything, which I don't necessarily think you should, get a miles or points card for travel. Get Chase Sapphire Preferred if you're going to get one card.

[Anonymous]

That D rating from CK for having six accounts is stupid, and contrary to every recommendation from peeps who know credit.

[Anonymous]

If you're four years post college, that puts you around 26. If you travel, I would go for a travel card. Another option is the Chase AARP card, which gives 3% back on restaurants and fast food. I also really like the Sallie Mae card, which gives 5% back on gas (up to $250 spend per month), groceries (up to $250 spend per month), and bookstores (including Amazon, up to $750 spend per month). I think AARP & SM are the two cards that I am most likely to use now and was most likely to use when I was your age. You might also consider the UPromise Sallie Mae card, which has some very good rewards on select restaurants. 

[racer-x]

What's your income, what are your current CL's?

[ksquared]

I am 26. Income: 60,000
Amex 15,000
Citi forward 7500
Citi double cash 4300
Chase freedom 5000
Target 1000
Barnes and Nobles I think is 600

I never carry a balance.

[Anonymous]

Maybe you could add an installment to the mix? If you happen to need one. Or take out a secured loan. Easy peasy.

[ksquared]

Yeah I've never had any loan or have been in debt. So idk if that's the issue. I have no car living in the city since I would never need to drive it and no student loans as I started saving for my college with my allowance when I was 8 and later part time jobs (thanks mom and dad)

I just opened a Roth IRA and have some stocks but I don't think those have anything to do with credit.