Whats her score range? DISCOVER will be tough to get but sometimes if you apply and get denied they may ask to add an co-owner on the new account. Thats what they asked me when I applied online for DISCOVER-IT card. They will run co-signer's credit too and decide on that. I didn't do it as I am already an AU on my wife's DISCOVER card.
Capital One Platinum is a boring card with no rewards. If your wife's credit is Fair try apply for Capital One Quicksilver MasterCard. It will be easy to get too and she will be earning 1.5% cashback on everything. Just a thought
I haven't been with CapOne long enough to say if they are bad or not, but I have the Platinum Card for Newcomers card and it does indeed offer rewards. 2% on travel related purchases, 1% on everything else. No AF. No FTF. It has a high interest rate (24.9%), so it should be a card that you will use to PIF each month.
The CapOne Quicksilver One is 1.5% on all purchases. Has a slightly lower interest rate of 19.4%, but the promotion now is 0% APR until 2014. So you have some time if you will carry a balance on it. $39 AF.
I don't have any experience with the IT card and I am not sure how easy it is to get.
I think IT needs 640-650+ FICO.
Cap One is great to build cred, just don't expect to get regular clis from them. They will
Not grow with you.
Not to hijack, but is the IT card also BK friendly, like say, 4 1/2 years since discharge? Scores are above the minimum and been good otherwise.