First New Card in 5 Years

[rckstrscott]

Hey all!

I have been in the garden for half a decade, but as I am just to close on my mortgage I am going to add a new card to the fold (post closing of course) - Looking for a limit 10k+ 

• Current FICO 8 scores 737 EX, 744 EQ, 689 TU
• AAoA is currently 7 years 3 months
• Util over all cards is 37% but will go down post home close.
• Cards currently: Chase Freedom 8k limit, Discover 14.5k limit, Synchrony Amazon 6.5k, Citi Rewards 6.5k, BOA 4k, WF 1k
  • I had a bunch of closed accounts from 2013-2015 when I went bonkers applying for anything I could get. CapOne, 475 different Synchrony cards, Funriture store cards etc.
• No baddies at all.
• Open car loan, closed car loan, closed mortgage, closed personal loan.
• Salary: about as low as 6 figures can possible be.

Any ideas? I haven't done too much research at this stage, just starting the process now.

Thanks all!

-scott

[sccredit]

What kind of spend would it be used for?

[rckstrscott]

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@sccredit wrote:

What kind of spend would it be used for?

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To be honest haven't put a ton of thought into it, this thread was more me just musing about the fact I felt the urge to apply someplace..

Currently we do most of our spending on my wifes PNC Flex Visa for the cash back purpose, but I would be open to switching that around to something new and exciting. haha

-scott

[SweetCreditObsession]

Congratulations on the closing of your home and on gardening for so long!

[rckstrscott]

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@SweetCreditObsession wrote:

Congratulations on the closing of your home and on gardening for so long!

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Thanks! TBH though, I kinda miss the application credit spree days of yesteryear hah

-scott

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@SweetCreditObsession wrote:

Congratulations on the closing of your home and on gardening for so long!

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[Anonymous]

I’d say a card that has no annual fee or one that is relatively low and provides great cash back on things such as gas and grocery. 

Id look into Pnc cash rewards visa. 4% on gas, 3% dining (includes take out and drive thru) 2% on groceries and 1% on all other 

or check AMEX prequel site. Both solid choices in my opinion 

[M_Smart007]

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@rckstrscott wrote:

Hey all!

I have been in the garden for half a decade, but as I am just to close on my mortgage I am going to add a new card to the fold (post closing of course) - Looking for a limit 10k+ 

• Current FICO 8 scores 737 EX, 744 EQ, 689 TU
• AAoA is currently 7 years 3 months
• Util over all cards is 37% but will go down post home close.
• Cards currently: Chase Freedom 8k limit, Discover 14.5k limit, Synchrony Amazon 6.5k, Citi Rewards 6.5k, BOA 4k, WF 1k
  • I had a bunch of closed accounts from 2013-2015 when I went bonkers applying for anything I could get. CapOne, 475 different Synchrony cards, Funriture store cards etc.
• No baddies at all.
• Open car loan, closed car loan, closed mortgage, closed personal loan.
• Salary: about as low as 6 figures can possible be.

Any ideas? I haven't done too much research at this stage, just starting the process now.

Thanks all!

-scott

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Congrats on your long term gardening!

With no new cards in a while,

Anything Chase with your scores?

Bank of America Cash Rewards?

American Express?

I know I am missing a lot here ...

The PNC card mentioned upthread is a real winner

[Meanmchine]

Congrats on your closing !