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scores are up need help choosing prime cards.

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pineappledaydreams
Frequent Contributor

scores are up need help choosing prime cards.

Best visa?
American express?
MC?

Already have discover it.
I have psecu visa too.
Wife is a member with nfcu I might apply

Best charge card?

0 af would be preffered, travel rewards would be best followed by large CLs.

1 of each category would be awesome except for the cu cards those dont factor into my want and desire equation.

Any ideas on how best to approach my goals?
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


Take the FICO Fitness Challenge
Message 1 of 12
11 REPLIES 11
LS2982
Mega Contributor

Re: scores are up need help choosing prime cards.


@pineappledaydreams wrote:
Best visa?
American express?
MC?

Already have discover it.
I have psecu visa too.
Wife is a member with nfcu I might apply

Best charge card?

0 af would be preffered, travel rewards would be best followed by large CLs.

1 of each category would be awesome except for the cu cards those dont factor into my want and desire equation.

Any ideas on how best to approach my goals?

Chase Freedom for the Visa

AMEX PRG for the Charge card. ($175 AF is a downer tho, if you can spend 30K a year on this card the bonus points offset the AF)

Barlcays Rewards MC




EQ FICO 548 3/3/16
Message 2 of 12
webhopper
Moderator Emeritus

Re: scores are up need help choosing prime cards.

You need to go with an nfcu card. Flagship gives 2% rewards, low annual fee. No ftf

PRG is good!
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 3 of 12
dodfire
Valued Contributor

Re: scores are up need help choosing prime cards.


@webhopper wrote:
You need to go with an nfcu card. Flagship gives 2% rewards, low annual fee. No ftf

PRG is good!

+1

*8/10/13
Message 4 of 12
webhopper
Moderator Emeritus

Re: scores are up need help choosing prime cards.

Penfed also has an outstanding travel regards card if your credit is considered excellent
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 5 of 12
dodfire
Valued Contributor

Re: scores are up need help choosing prime cards.

AMEX SPG!!

*8/10/13
Message 6 of 12
webhopper
Moderator Emeritus

Re: scores are up need help choosing prime cards.

Pen Fed Travel Rewards Amex

 

  • 5 points on airfare purchases
  • 1 point on all other purchases
  • 20,000 bonus points when you spend $2,500 within the first 3 months of opening the card
  • No annual fee
  • No foreign transaction fee
  • 4.99% APR promotional balance transfer rate on transfers made from April 1, 2013 through June 30, 2013 for the life of balance with no balance transfer fee. After that, the APR for any new balance transfers will be 9.99% and will vary with the market based on the Prime Rate. The fee for balance transfers made after June 30, 2013 will return to 3% (Min. $10 – Max. $250) per transaction. This transaction is subject to credit approval.
  • Summary of Terms (PDF)
  • Purchases and Cash Advances - Variable 9.99% APR introductory purchase and cash advance rate capped through June 30, 2014. During this time the rate can only decrease if the Prime Rate decreases. After June 30, 2014 the cap will be removed and the APR will increase or decrease with the Prime Rate.
  • Balance Transfers - 4.99% APR promotional balance transfer rate on transfers made from April 1, 2013 through June 30, 2013 for the life of balance. After that, the APR for any new balance transfers will be 9.99% and will vary with the market based on the Prime Rate. There is no balance transfer fee on transfers made between April 1, 2013 and June 30, 2013. The fee for balance transfers made after June 30, 2013 will return to 3% (Min. $10 – Max. $250) per transaction. This transaction is subject to credit approval.
  • Summary of Terms  (PDF) 
  • Credit lines available from $5,000 up to $50,000       
  • Exclusive travel upgrades, rewards and more       

 

 

Navy Fed CashRewards

No1

Get up to 1.5% cash back on all purchases2

Rewards redemption

Rewards limits

Rewards expiration

Start redeeming cash back as soon as you earn it. No minimum required.

Annual Spend
Cash Back
$0.01 - $10,000.001.00%
$10,000.01 +1.50%

None

None

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 7 of 12
pineappledaydreams
Frequent Contributor

Re: scores are up need help choosing prime cards.

Thanks guys. How do I qualify for penfed ? I like all the suggestions and will follow through with them after some more evaluation.
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


Take the FICO Fitness Challenge
Message 8 of 12
LS2982
Mega Contributor

Re: scores are up need help choosing prime cards.


@pineappledaydreams wrote:
Thanks guys. How do I qualify for penfed ? I like all the suggestions and will follow through with them after some more evaluation.

I'm not so sure with your current EQscore you would qualify for PenFed. Is your siggy score legit?




EQ FICO 548 3/3/16
Message 9 of 12
webhopper
Moderator Emeritus

Re: scores are up need help choosing prime cards.

To Join PenFed you should become a member of one of these two organizations:

 

Members of the National Military Family Association and Voices for America's Troops are among those eligible for PenFed membership.  We’ve made it easy for you to join one of these associations, which makes you eligible to join PenFed.
 
Their products are available only for those with Excellent credit...   720 and UP,
 
I'm not sure which bureau they pull
 
 
 
USAA also has nice cards with no AF.  If your wife is a member of NFCU, then she has a miliary affiliation?
Does it make her eligible for full membership with USAA?
 
Earn more on gas and grocery purchases
  • Choose between 2X points or up to 2.25% cash back on gas and groceries.
  • Variable rates as low as                                                     9.9% APR on purchases, balance transfers, and cash advances.1
  • Flexibility to pay in full or over time.
  • No annual fee and zero liability for unauthorized transactions.

 
Choose Your Rewards Program

When you choose USAA Rewards™:

  • Always earn 2X points on gas and grocery purchases.
  • Earn one point for every dollar on all other purchases.
  • No caps or expiration on points.2
  • Get 2,500 rewards bonus points credited to your account after your first purchase.2
  • Earn points toward air travel with no blackout dates, brand-name merchandise, gift cards and more.
  • Redeem your rewards points anytime on usaa.com or from your mobile phone — with no redemption fee.
 

When you choose Cash Rewards:

  • Earn up to 2.25% cash back on gas and grocery purchases.
  • Earn up to 1.25% cash back on all other purchases.
  • No caps on amount earned.
  • The more you use your card, the greater your cash rebate.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 10 of 12
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