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800 FICO: What to Apply for Next?

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SecretAzure
Valued Contributor

800 FICO: What to Apply for Next?

Hi, I expect to hit 800 FICO by October (personal goal/mental guessing). I am wondering what people with 800 FICO scores even aim for as next credit card(s). I have heard of the mythical Centurion(?) card and such but really don't know their value. As someone who doesn't travel much, should I bother with a miles card because their benefits are that good to have or is there something else?

 

Okay, ending my rant here.

 

 

What do you all do or plan to do once your FICO reaches 800+? Everyone has goals and I'm wondering what they'll use their high credit scores to achieve/obtain! 

 

 

Thank you for your opinions in advance!

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 1 of 46
45 REPLIES 45
Anonymous
Not applicable

Re: 800 FICO: What to Apply for Next?

I can't say for a card in your score's range, but since you don't really travel, I think a good general spend card like a Double Cash or Quicksilver would be great for your current line-up. Maybe even the Sallie Mae, but that would take away a good amount of use from your BCE.

Message 2 of 46
ojefferyo
Valued Contributor

Re: 800 FICO: What to Apply for Next?

first premier or credit one!!! j/k

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa
Message 3 of 46
sillykitty1
Established Contributor

Re: 800 FICO: What to Apply for Next?

Do you live in CA, WA, OR, HI or NV?

 

If so, the the JCB Marukai ... basically a 3% CB card

Message 4 of 46
SecretAzure
Valued Contributor

Re: 800 FICO: What to Apply for Next?


@Anonymous wrote:

I can't say for a card in your score's range, but since you don't really travel, I think a good general spend card like a Double Cash or Quicksilver would be great for your current line-up. Maybe even the Sallie Mae, but that would take away a good amount of use from your BCE.


Yeah I love my BCE and it's high CL. I mean I don't mind a travel card but it has to be something that retains points for 2 years with very little travel/hotel/booking use...of which I havn't heard anything like that to exist. Thank you though for your opinion! Smiley Happy

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 5 of 46
SecretAzure
Valued Contributor

Re: 800 FICO: What to Apply for Next?


@sillykitty1 wrote:

Do you live in CA, WA, OR, HI or NV?

 

If so, the the JCB Marukai ... basically a 3% CB card


No I live in FL, unfortunately, that sounds nice! Smiley Tongue

 

Thanks for your suggestion.

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 6 of 46
ojefferyo
Valued Contributor

Re: 800 FICO: What to Apply for Next?

They are not known for high SL and everything is done manually.

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa
Message 7 of 46
SecretAzure
Valued Contributor

Re: 800 FICO: What to Apply for Next?


@ojefferyo wrote:

They are not known for high SL and everything is done manually.


So what do you recommend, besides the ones you were kidding about above? Smiley Very Happy

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 8 of 46
kaw943
Regular Contributor

Re: 800 FICO: What to Apply for Next?

LOL thats funny Man Tongue

Trans 740| Equifax 722| Experian 733| Chase Sapphire Reserve 20k|Discover It 12k| Bofa Cash Rewards 22k| Citi Prestige 11k and AA Executive WEMC 22k|Amazon SC 7k|FNBO TravElite 10k| Amex Plat NSPL, Everyday Preferred 6k|PenFed Plat Rewards
Message 9 of 46
Anonymous
Not applicable

Re: 800 FICO: What to Apply for Next?


@SecretAzure wrote:

@Anonymous wrote:

I can't say for a card in your score's range, but since you don't really travel, I think a good general spend card like a Double Cash or Quicksilver would be great for your current line-up. Maybe even the Sallie Mae, but that would take away a good amount of use from your BCE.


Yeah I love my BCE and it's high CL. I mean I don't mind a travel card but it has to be something that retains points for 2 years with very little travel/hotel/booking use...of which I havn't heard anything like that to exist. Thank you though for your opinion! Smiley Happy


That makes sense. You can always go for the new Discover it Miles card too. 1.5 miles per $ that can be redeemed for cash as well at a 1:1 ratio (Venture and Arrival+ penalize you if you redeem for cash) on top of travel. Discover also doubles all your points earned your first year so it's essentially a 3% cashback card for a year (assuming you just use it for cash) and 1.5% afterward, making it competitive with other general cashback cards. Discover's redemption portal is generally considered in high regard and it's a pretty difficult CCC to open an account with, but I think you'd definitely have a good shot if you applied given your score.

 

The JCB card above is a decent one as well, but there is a $15 annual fee after the first year, which isn't back. I haven't heard much about the redemption options though. Just letting you know in case you ever move to California something and want to apply for it, haha.

Message 10 of 46
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