Is this a good order for a 7 card app spree?

[Anonymous]

My FICO is 770 and I'm at 2/24, this is the order I'm thinking of applying:

1st) Chase Sapphire Reserve

2nd) PenFed Platinum Cash Rewards
3rd) Citi Double Cash
4th) American Express Blue Cash Preferred
5th) Discover It
6th) USBank Cash+

7th) Amazon Store Card

[Gmood1]

Order looks good to me.
Are there any other cards that you can use from Chase? Two for 1 HP is a possibility.
You could go with the Amazon Prime Chase card after Sapphire. That's if you don't mind being a Prime member.

That will give just a single pull on TU if US Bank goes that route.
Citi and Amex will hit EX most likely.
Chase will hit EX and EQ sometimes.
Penfed is all EQ
Discover is EX or EQ.
Sometimes these companies do change up on who they pull.
Good luck!

[Anonymous]

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@Gmood1 wrote:
Order looks good to me.
Are there any other cards that you can use from Chase? Two for 1 HP is a possibility.
You could go with the Amazon Prime Chase card after Sapphire. That's if you don't mind being a Prime member.

That will give just a single pull on TU if US Bank goes that route.
Citi and Amex will hit EX most likely.
Chase will hit EX and EQ sometimes.
Penfed is all EQ
Discover is EX or EQ.
Sometimes these companies do change up on who they pull.
Good luck!

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Oh sweet! I completely forgot about them pulling from different bureaus! Personally I'd rather have only one credit card with chase, and I like the reserve card the best! Thanks for the response!

[csryang]

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@Anonymous wrote:

My FICO is 770 and I'm at 2/24, this is the order I'm thinking of applying:

1st) Chase Sapphire Reserve

2nd) PenFed Platinum Cash Rewards
3rd) Citi Double Cash
4th) American Express Blue Cash Preferred
5th) Discover It
6th) USBank Cash+

7th) Amazon Store Card

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How much do you spend on grocery and Amazon? If they are less than $500 each month total, maybe you could get by with just Blue Cash Preferred (BCP) alone and delete Amazon store card. This is because you can just use BCP to purchase Amazon gift cards at grocery stores to load Amazon gift card balance for future use.

I would think that USBank is more inquiry sensitive than Amex or Discover. If you really want US Bank Cash+, I would recommend you change it from 6th to 4th and try applying it in branch. Banking relationship will help a bit. Amex seems to be more lax with me but not sure what your experience has been. 

If I were you, I would apply in the following order:

1st) Chase Sapphire Reserve

2nd) PenFed Platinum Cash Rewards
3rd) Citi Double Cash
4th) USBank Cash+
5th) Discover It
6th) American Express Blue Cash Preferred

Also you can apply for an Amex charge card along with its credit card for one hard pull if done in the same day if you have means to spend to get sign up bonus.

If you like Amex BCP more than Discover it, maybe switching Amex BCP to 5th and Discover it the 6th

[stargazer25]

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@csryang wrote:

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@Anonymous wrote:

My FICO is 770 and I'm at 2/24, this is the order I'm thinking of applying:

1st) Chase Sapphire Reserve

2nd) PenFed Platinum Cash Rewards
3rd) Citi Double Cash
4th) American Express Blue Cash Preferred
5th) Discover It
6th) USBank Cash+

7th) Amazon Store Card

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How much do you spend on grocery and Amazon? If they are less than $500 each month total, maybe you could get by with just Blue Cash Preferred (BCP) alone and delete Amazon store card. This is because you can just use BCP to purchase Amazon gift cards at grocery stores to load Amazon gift card balance for future use.

I would think that USBank is more inquiry sensitive than Amex or Discover. If you really want US Bank Cash+, I would recommend you change it from 6th to 4th and try applying it in branch. Banking relationship will help a bit. Amex seems to be more lax with me but not sure what your experience has been. 

If I were you, I would apply in the following order:

1st) Chase Sapphire Reserve

2nd) PenFed Platinum Cash Rewards
3rd) Citi Double Cash
4th) USBank Cash+
5th) Discover It
6th) American Express Blue Cash Preferred

Also you can apply for an Amex charge card along with its credit card for one hard pull if done in the same day if you have means to spend to get sign up bonus.

If you like Amex BCP more than Discover it, maybe switching Amex BCP to 5th and Discover it the 6th

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I did BCP in December and got a welcome reward of $250 on $1K and 10% up to $200 back from Amazon. 

[garagebandking]

Having recently obtained PenFed and Disco with 15+ inquiries showing and getting Chase/Amex before I went spree crazy last year...and from what I've heard about USBank, Citi and Amex...I'd be inclined to go:

1st) Chase Sapphire Reserve

2nd) USBank Cash+ 
3rd) Citi Double Cash
4th)PenFed Platinum Cash Rewards

5th) Discover It
6th) American Express Blue Cash Preferred

How important is the Amazon to you?

[fltireguy]

PenFed isn't inq sensitive at all - I had 60 on Eq when they approved me @11.5k(reconned to 15k) in Dec. Amex isn't either - I would save those two for last!!!
Definitely Discover before PenFed and Amex though.

[Anonymous]

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@Anonymous wrote:

My FICO is 770 and I'm at 2/24, this is the order I'm thinking of applying:

1st) Chase Sapphire Reserve

2nd) Chase Amazon Prime Visa

2nd) 3rd) PenFed Platinum Cash Rewards
3rd) 4th) Citi Double Cash
4th) 5th) American Express Blue Cash Preferred
5th) 6th) Discover It
6th) 7th) USBank Cash+

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This is the only tweak I would make

The Chase amazon is superior in almost every way to the Sync card - and since it's a Chase card, you would apply for it the same day as the CSR (preferably at the same time in two separate browsers)

[fltireguy]

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@Anonymous wrote:

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@Anonymous wrote:

My FICO is 770 and I'm at 2/24, this is the order I'm thinking of applying:

1st) Chase Sapphire Reserve

2nd) Chase Amazon Prime Visa

2nd) 3rd) PenFed Platinum Cash Rewards
3rd) 4th) Citi Double Cash
4th) 5th) American Express Blue Cash Preferred
5th) 6th) Discover It
6th) 7th) USBank Cash+

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This is the only tweak I would make

The Chase amazon is superior in almost every way to the Sync card - and since it's a Chase card, you would apply for it the same day as the CSR (preferably at the same time in two separate browsers)

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Id still put PenFed and Amex last, knowing they arent sensitive to inq

[Anonymous]

I'm not sure if the Amazon Chase Visa offers financing, but if it does, it is a way better card than the Amazon store card.

Even if it doesn't or you're not planning to use the financing, then the Amazon Chase Visa would be a better choice.

Interested in seeing the results. Hopefully, all approvals!