There are too many variables to guess. I have added a number of cards over the past couple of years and never once got a decrease in score as a result of apping or opening a new card. However, I recently apped for BML, and the HP appearing on my report gave me a 5 point hit. Go figure. Point here, it's too hard to tell how it will effect it. If you want the credit card and don't have too many new accounts, or too much debt. Go for it. The couple of points you may lose will increase back after good use of card.