Thinking about applying for a prime card or two. Few questions.

[Cred90]

Hey everyone,

I'm looking at applying for another card or two in the next couple months. I currently have a cap 1 sec 300$ 0$ balance, discover it 2000 limit 12$ balance, and Amex PRG NPSL. I am a full time student. Income about 20k. Ficos in the 760-770 range with a almost 4 year history with no negs.

Have checked the pre qualify sites and am good for chase sapphire preferred and others. Just looking for some recommendations. Don't want to waste a HP. But would love CSP or another prime card or two.

Any ideas or recommendations?

[sr383]

Do you want cash back? Points? Balance transfers? Signup bonuses?

[Cred90]

Points or cash back would be nice. Mainly looking for no foreign transaction fees and card benefits. I'd also like a issuer that is more generous with limits. 

[Anonymous]

With a $20k income the chase AF may not be justifiable. Why not just a QS? No FTF, generous CLIs and cash back.

[Cred90]

True. I just wonder if I would be approved with my income and good history.  Really could be a card to grow with. I've looked at capital one, wonder if they will take into consideration my history with them.  What is Barclays and Cap 1 like for initial limits 

[Anonymous]

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@Cred90 wrote:

True. I just wonder if I would be approved with my income and good history.  Really could be a card to grow with. I've looked at capital one, wonder if they will take into consideration my history with them.  What is Barclays and Cap 1 like for initial limits 

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For the CSP, unlikely. That's okay. Tuck that idea away for after you graduate or your income grows a bit and, with your profile, you'll get it with no problem.

[Cred90]

That's OK. I'm thinking between the quicksilver and one of the Barclay cards preferably the arrival plus. Isn't the quicksilver a visa signature? Between these two what are the initial limits like?

Amex just send me an offer for the blue cash when they added my pay over time feature.

[Anonymous]

The QS CAN be a VS but you need a $5k limit in most cases. I have seen people with your income get a CSP but irk if they were honest about income or not on the app but it's still probably not justifiable. Limits really depend on a lot of factors. You can get a $3k one or a $5k its all situational and no one could say "you'll get X limit"

[kdm31091]

I think it's pretty unlikely that a CSP is justifiable with a 20k income, besides the fact you already have a PRG with an annual fee to pay. I think something like QS is a good suggestion, but really, what are you looking for? What do you feel your lineup lacks? Cards like PRG pretty much demand being a "main card" if you want to reap any actual benefit, especially on a lower income.

[Cred90]

I realize that I have to utilize one hard to maximize benefits at this stage in my life. Luckily my parents pay my annual fees because I let them be authorized users. Im mainly looking to add some decent cards to my portfolio so that I can have a long history with them.