Application advice for a (super) Thin File n00b?

[Anonymous]

Just an update: I took the advice given by many here and went the Discover IT route (the Miles variant, to be exact, for the effective flat 3% CB for the first year... will probably product change to the rotating categories version after that year is up). I also got approved about five minutes later for the Amex Simply Business Cash Plus card, even though that won't go toward beefing up my file.

Thanks for your help, everyone.

[CreditInspired]

What is the 3% CB card. I cant find it on Disco’s website?

[Remedios]

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@CreditInspired wrote:
What is the 3% CB card. I cant find it on Disco’s website?

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Miles is 1.5%, but with cash back match, it makes it  3%  for  the first year only 

[Anonymous]

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@CreditInspired wrote:
What is the 3% CB card. I cant find it on Disco’s website?

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The Discover IT Miles card gives 1.5 miles/dollar spent (miles are valued at a cent each and can be redeemed for cash back), and Discover matches all of your earned miles at the end of your first year, making it effectively a 3% CB card for that year.

[CreditInspired]

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@Anonymous wrote:

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@CreditInspired wrote:
What is the 3% CB card. I cant find it on Disco’s website?

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The Discover IT Miles card gives 1.5 miles/dollar spent (miles are valued at a cent each and can be redeemed for cash back), and Discover matches all of your earned miles at the end of your first year, making it effectively a 3% CB card for that year.

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Oh silly me. Forgot about the match 😂🤣

[Anonymous]

The Discover it card will always be my suggestion for thinner files. They approved me without having any credit history at all. The benefits are really solid as well - 5% cashback on rotating categories and 1% on everything else, plus all the cashback you earn in your first year gets doubled, effectively making the rates 10% and 2%. Good luck!

Edit: Oops, just saw you got approved for the miles variant - congrats, that's a solid card as well!