Which Card for 4-5k+ Instant Approval?

[Capya]

I recently applied for AmEx Blue Cash Everyday

Experian 767 

Income $42000

Highest CL - Amazon $1400

Average Age of Accounts - 5 years

1 Baddie on report - a medical collection from 2008

Instantly Approved with CL of $12,500

[riffdex]

AMEX was the first to approve me with a high CL. I had 3 CC's $2250, $1700, and $1200. Applied for AMEX BCE and got instant approved for $7100. AAoA's 1 year and my income isnt even high (18k) but I still got a high CL. Only reason I can see they gave me that much is bc my high credit score and flawless credit history. If you don't want to apply for a CLI and just want a new card, I would suggest AMEX BCE over your other ideas.

[codimom]

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@aaron3 wrote:

Thanks for the replies - as to my spending, a lot on groceries and gas, not a lot of travel. I plan to spend a significant amount but carry a low balance. 

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IF you are planning on carrying a balance at all, I would probably go with a discover IT over the amex.  Amex, (my favorite go to card) although offering a revolver, they really still act like its a charge and they tend to frown upon balances being carried for any amount of time.  Other than that, I would recommend the Amex Blue Cash..I have the every day version, not the preferred...cuz I didn't want the AF....

[longtimelurker]

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@codimom wrote:

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@aaron3 wrote:

Thanks for the replies - as to my spending, a lot on groceries and gas, not a lot of travel. I plan to spend a significant amount but carry a low balance. 

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IF you are planning on carrying a balance at all, I would probably go with a discover IT over the amex.  Amex, (my favorite go to card) although offering a revolver, they really still act like its a charge and they tend to frown upon balances being carried for any amount of time.  Other than that, I would recommend the Amex Blue Cash..I have the every day version, not the preferred...cuz I didn't want the AF....

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That AF scares a lot of people.  As said before though, the BCP is almost always the correct choice, if you have a supermarket that offers useful gift cards, and your total spend on groceries and places you can use the gift cards is greater than $2500 per year.  (And if you buy any gas, this figure goes down as well because of the extra 1% on gas).

[OptimalCS]

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@aaron3 wrote:

Thanks for the replies - as to my spending, a lot on groceries and gas, not a lot of travel. I plan to spend a significant amount but carry a low balance. 

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+++1      Amex

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[leoment]

I'd recommend the BCP others have mentioned for the gas/groceries, and the Cap1 quicksilver for all other everyday purchases - 2 cards, and you're getting a decent base 1.5% CB no matter where you go, PLUS you'll have one card with no forex fees should you ever go outside the country

[LS2982]

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@enharu wrote:
Call BofA for a CLI. You should be able to get a decent CL for most cards based upon your credit history.

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I agree with this, then maybe app for 1 card.

[thebusymind]

If you can, try joining USAA or Navy Federal.  They're really really generous with their limits; especially with people with your credit.  I'd also look into the Chase Saphire Preffered.