Advice needed, which credit card to get next

[Anonymous]

Current cards:
*Discover It Student $2,700 limit, Jan 2019
*BoA Cash Rewards $12,000 limit, Mar 2011, AUTHORIZED USER

FICO Score: 737

Oldest account age: 11 months

Income: $66,000

Open to Business Cards: No

Cards I’ve been looking into:
*Chase freedom 5% rotating $200 after spending $500
*Amazon prime visa 5% amazon
*Ducks unlimited 5% gas
*Amex blue cash everyday 3% groceries $150 after spending $1000
*PayPal Cashback 2% everything
*Capital One Savor 4% dining $300 after spending $3000
- annual fee $95 waived first year
- PC to Capital One Savor One 3% dining to avoid annual fee
*Bank of America cash rewards 3% choice $150 after spending $500
*Wells Fargo propel 3% dining $200 after spending $1000
*US Bank cash+ 5% choose 2 categories
*Apple Card 2% using Apple Pay
*Delta Gold SkyMiles 70,000 bonus miles after spending $2000 and $50 statement credit
- only valid until Jan 22
- annual fee $95, waived first year
- PC to no annual fee Blue SkyMiles once annual fee kicks in

I really want the Chase Freedom to develop a relationship with Chase, but the Delta Gold SkyMiles offer is only valid until Jan 22.

PS, I have applied for Chase Freedom as my first card 11 months ago, but got rejected due to a thin credit profile. I then got the Discover It Student card. I am also 19 years old, so my credit history is thin. I want to apply to a card that is easy to get because I don’t want to get rejected.

I’m interested in an App-o-Rama because I want to start building my long term credit background as soon as possible with no annual fee credit cards. Which cards would be the easiest to get in a short period of time?

[Nomad3]

Have you checked cap1 preapprovals on their site? They tend to be lenient with thin/young. I think Amex let's you check for preapprovals as well. No harm in checking.

You should probably wait until your first card hits 1yr tho for better odds

[Anonymous]

If you want Chase, you should wait til next month and apply but if you're approved, no more apps for 6 months unless you want to risk losing that account. 

App sprees are not advisable these days. Banks aren't really putting up with that behavior. 

With that said, Capital One would likely give you a card, so would AMEX, check the prequals for those two. PayPal approval seems like a good shot also Apple Card. 

Ducks, BoA, and Wells Fargo I'm not as optimistic about your chances on. 

Also keep in mind that Capital One isn't currently allowing PCs to Savor cards, even if you already have one so if you get the Savor for the SUB, it's possible they won't let you PC to SavorOne next year. 

If you are intent on spreeing regardless, my recommendation would be to try Chase first and if you're approved, stop there. If not, go for Capital One, then PayPal, and then AMEX (pick between Delta or BCE but if you don't have a prequal for any AMEX revolvers, Delta is probably the safer bet). 

[Anonymous]

would you recommend the amex blue over the amex everday?

those 2 cards popped up when i completed the prequalify.

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@Anonymous wrote:

If you want Chase, you should wait til next month and apply but if you're approved, no more apps for 6 months unless you want to risk losing that account. 

App sprees are not advisable these days. Banks aren't really putting up with that behavior. 

With that said, Capital One would likely give you a card, so would AMEX, check the prequals for those two. PayPal approval seems like a good shot also Apple Card. 

Ducks, BoA, and Wells Fargo I'm not as optimistic about your chances on. 

Also keep in mind that Capital One isn't currently allowing PCs to Savor cards, even if you already have one so if you get the Savor for the SUB, it's possible they won't let you PC to SavorOne next year. 

If you are intent on spreeing regardless, my recommendation would be to try Chase first and if you're approved, stop there. If not, go for Capital One, then PayPal, and then AMEX (pick between Delta or BCE but if you don't have a prequal for any AMEX revolvers, Delta is probably the safer bet). 

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[Anonymous]

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@Anonymous wrote:

would you recommend the amex blue over the amex everday?

those 2 cards popped up when i completed the prequalify.

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@Anonymous wrote:

If you want Chase, you should wait til next month and apply but if you're approved, no more apps for 6 months unless you want to risk losing that account. 

App sprees are not advisable these days. Banks aren't really putting up with that behavior. 

With that said, Capital One would likely give you a card, so would AMEX, check the prequals for those two. PayPal approval seems like a good shot also Apple Card. 

Ducks, BoA, and Wells Fargo I'm not as optimistic about your chances on. 

Also keep in mind that Capital One isn't currently allowing PCs to Savor cards, even if you already have one so if you get the Savor for the SUB, it's possible they won't let you PC to SavorOne next year. 

If you are intent on spreeing regardless, my recommendation would be to try Chase first and if you're approved, stop there. If not, go for Capital One, then PayPal, and then AMEX (pick between Delta or BCE but if you don't have a prequal for any AMEX revolvers, Delta is probably the safer bet). 

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It depends on your needs. Everyday is a card meant for balance transfers up to $5K (AMEX has a weird $5K cap on BTs) and a starter MR earning card where BCE is an everyday supermarket spend card that earns cash back. MRs are worth far less than straight cash back if you want cash back but they can be more valuable if you use them for travel. 

[Anonymous]

thanks for the feedback!

most likely will go for the MR as i do travel quite a bit.

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@Anonymous wrote:

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@Anonymous wrote:

would you recommend the amex blue over the amex everday?

those 2 cards popped up when i completed the prequalify.

It depends on your needs. Everyday is a card meant for balance transfers up to $5K (AMEX has a weird $5K cap on BTs) and a starter MR earning card where BCE is an everyday supermarket spend card that earns cash back. MRs are worth far less than straight cash back if you want cash back but they can be more valuable if you use them for travel. 

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[Anonymous]

I'm gonna guess you're a Student since that is what the Discover is. Also, how long have you been an AU on BoA?

Based on your thin file I'm not completely sure you'd have success with Chase. 

Not knowing your spend, or what rewards structure you would like. It's tough to recommend the right cards to fit someone.

That said, I don't feel you would go wrong with BCE or ED from Amex. If you can mange 20 swipes per month for the 20% bonus, it's a nice MR multiplier. If your main category is grocery, and like cash, BCE would work well. Just so long as the place you shop codes as such.

Airline card should be researched to find out if it's worth while long term, past teh 70K miles.

A lot of good cards listed, but again it's all dependant upon you specific spend. And on what it is that you want from said card, cash, miles, or points. Sometimes it doesn't pay to spread yourself out into too many eco systems, but focus on 1-2 that offer you the best return.

[coldfusion]

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Do yourself a big favor and get the idea of an app-o-rama out of your head.   While strange things do happen the odds of you accomplishing anywhere near a clean sweep at this point in time are going to be practically nil.  You'll do more harm than good in the short to medium term timeframe than if you follow a slower paced but steady progression. 

You already have a Discover IT so look at a Capital One Platinum.   Plan on waiting another 6 months before applying for another no-AF card.

[Anonymous]

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@Anonymous wrote:

I'm gonna guess you're a Student since that is what the Discover is. Also, how long have you been an AU on BoA?

Based on your thin file I'm not completely sure you'd have success with Chase. 

Not knowing your spend, or what rewards structure you would like. It's tough to recommend the right cards to fit someone.

That said, I don't feel you would go wrong with BCE or ED from Amex. If you can mange 20 swipes per month for the 20% bonus, it's a nice MR multiplier. If your main category is grocery, and like cash, BCE would work well. Just so long as the place you shop codes as such.

Airline card should be researched to find out if it's worth while long term, past teh 70K miles.

A lot of good cards listed, but again it's all dependant upon you specific spend. And on what it is that you want from said card, cash, miles, or points. Sometimes it doesn't pay to spread yourself out into too many eco systems, but focus on 1-2 that offer you the best return.

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I thought it was generally accepted that Chase will approve Freedom or Freedom Unlimited at the 1 year history mark?

[Anonymous]

I think I've only seen DPs for people with at least two cards in their profile past 1 year. Anything else has always been hit or miss, a couple outliers maybe. Also, their only card being a Student card? IDK if that matters or not compared to the regular Discover It.

With Chase I always like to error on the side of caution. And waiting a little longer has never hurt anyone, has it?