@Anonymous wrote:
Hi all,
New to the forums here. I applied for the chase freedom unlimited card and unforantely got denied because I had high balances on my cards with a score of 665. That was about a month ago and since then have all my cards paid off to 1% usuage and my score is back up to the 740-750 range. Would it be a good idea to reapply to the freedom unlimited card or should I just go for the capital one quicksilver?
Thanks!
Have you checked the prequalified offers for Chase? Their offer page is pretty solid.
However, if they show nothing, don't be disheartened.
Why do you want the FU in the first place? By itself, it's nothing spectacular. There are a lot of 1.5% cards, CapOne QS is a little better since it has zero foreign transaction fee.
However, if you are thinking of clubbing the FU with the Sapphire (Preferred or Reserve) then the value of those points go up. You can either redeem for travel at higher value or transfer them to partners for an even higher value.
The Blispay or Citi Double Cash may give you an even better value at 2% straight. Blispay with the 6 month no interest for purchases $199+ is arguably even better. Considering a 1% APY from a lot of high-yield savings account, a 6-month no interest promo gives you about 0.5%, so Blispay can be between 2%-2.5%.
