@Anonymous wrote:
@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!
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.
Havn't heard anything about that as I've barely read anything about the miles cards (Except Barclay's a little). I will dig into that because miles that I can redeem as cashback for a penalty if I don't use them is appealing to me. I hope to have 800 by October of this year but who knows, I could be completely off with my predictions. 
Must garden until 2/1/2022 to hit my goal AAOA. 
@SecretAzure wrote:
@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?
Well it al depends on what your needs are.
And Penfed Promise 
@baller4life wrote:
And Penfed Promise
Oh I've heard of Simmons, I was attracted to it when my credit was...less than stellar...I had forgot about it. Low APR's are nice. What is penfed? These abbreviations sometimes confuse me! Took me 4 days to figure out what QS1 was lol.
@baller4life wrote:
https://www.penfed.org/Penfed-Promise/
I have a thread going about it right now in credit card section cause I WANT IT!!!
Seems very similar to my Ring card. I like Simmons more! 
@baller4life wrote:
Oh Penfed is MUCH different than Barclays. But roll with Simmons. Fantastic card!
Do we know what CRA they pull? I'm gardening for a while since you helped me get my 2 cards but if they do hard pull the one I don't have any inquiries on then maybe I won't wait as long!