New Visitor
ErniePotts
Posts: 1
Registered: ‎10-09-2012
I'd like a new credit card... Which cards should I be applying for?

I just checked my Equifax score, and it looks like its 772.  I would like a new credit card as a "just in case."  I use my Amex Zync card 99% of the time, but I'd like something else: A) If somewhere doesn't accept American Express or B) Just for additional bonuses (cash back, points, etc).  I also plan on buying a laptop ASAP, so if I'm able to get a card that has 6-12 months of 0% financing that'd be very beneficial.  I was just going to go to Best Buy and take advantage of their 0% 18 month financing, but I'd rather have a card I can continually use (I rarely, if ever shop at Best Buy lol).

 

Is there a resource, or does anyone know what kind of cards I should be applying for in this range?

Frequent Contributor
Jlu
Posts: 461
Registered: ‎06-12-2012
Re: I'd like a new credit card... Which cards should I be applying for?

Well since you are looking to mainly use it in the event someone doesn't accept AMEX there is a chance they will not accept Visa or Discover either so I'd stick with Mastercard for 99.99% acceptance worldwide. I would also stick with a no foreign transaction fee card since if you ever plan to travel you won't use your AMEX due to lack of acceptance and foreign transaction fees. So a no foreign transaction fee Mastercard..

 

The choice that would come to my mind would be the Chase Sapphire Preferred Mastercard with a 40,000 point ($400+) sign up bonus although after the first year you would have to justify the $95 AF, which isn't hard to do if you use it for the 2% food/travel. This card is 15% with no 0% intro, but I'm sure the sign-up bonus would offset any interest charge.

 

Don't forget, you have to go through Mastercard.com to get the Mastercard version CSP application.

Wallet: JP Morgan Select Visa Signature $9000 | Chase Sapphire Preferred $5000 | Chase Freedom Visa $2000 | Barclaycard Visa $3000 | Discover More $1500 | Capital One Platinum Mastercard $750 | Bank of America Cash Rewards Visa $500 | Walmart Store $950 | Amazon Store $5000 | AMEX Zync (AU) NPSL | Chase Total Checking | RIP: First Premier Mastercard
Valued Contributor
nicholasyud
Posts: 1,678
Registered: ‎08-13-2012
Re: I'd like a new credit card... Which cards should I be applying for?

We can't said anything since we don't know your credit file........


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k | Usaa: 8k | BCE: 3k | Amex Green: NSPL | Cap: 2k | Disco: 3.4k | ORchar: 0.4k

Valued Contributor
injustifiiable
Posts: 1,114
Registered: ‎03-30-2012
Re: I'd like a new credit card... Which cards should I be applying for?

If you want to finance a computer, and want to go Mac, you can do the Apple Financing Visa card from Barclays. They run 0% for 12 months all of the time. Pretty generous with CL, too.



Starting Score: TU TransRisk 532| EQ FICO 635|EX Plus 612
Current Score: TU TransRisk 590|EQ FICO 681|EX FAKO 676|Vantage 684 as of June 10, 2013
Goal Score: 750-800 across the board


Take the FICO Fitness Challenge
Regular Contributor
somnipotent
Posts: 346
Registered: ‎06-02-2008
Re: I'd like a new credit card... Which cards should I be applying for?

I'd say Chase Sapphire Preferred or Capital One Venture


AmEx PRG (NPSL) | AmEx Costco ($8,200) | AmEx Delta Gold ($7,500) | Chase United Explorer ($10,000) | Chase Sapphire Preferred ($7,500) | Chase Freedom ($8,200) | Discover it ($3,000) | Capital One Platinum ($2,500) | GE Lowes ($3,000) | GE Walmart ($2,800) | GE Amazon ($2,250)
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Homeowner since 05/29/13
Established Contributor
Koop10010
Posts: 731
Registered: ‎02-15-2012
Re: I'd like a new credit card... Which cards should I be applying for?

You could look at the Chase Freedom card.  It has 15 months of 0% and is a solid cashback card.  Since the Amex you have is a Zync, I assume you don't travel frequently.  If you do, you should take a look at the Sapphire Preferred.  It doesn't have a 0% offer, but even if you do have to carry a balance, the signup bonus will make up for that.  Also, all of Capitol One's products waive forex fees.

FICOs (2/24/12): EX 752, EQ 740
Chase Sapphire Preferred, Freedom; American Express PR Gold, Blue Cash Everyday