Need some help...I want to app for a new card....need some opinions!

[Anonymous]

Hello everyone, 

I need some help on this please....Please just state a card that you think would be a good one and then I will look into them...just some simple suggestions no need to go into other topics...thanks everyone yall are the best...

I am looking into getting another line of credit.  What do you guys think would be a choice?

Currently my credit score is around 730 plus accross the board. 

Have two lines Discover around 10K and Amex BCE 10K roughly.  Have had these two for almost 6 months now. 

I am seeking a card with no annual fee, high starting credit line, hopefully 0% apr on purchases for 18 months...with good reward programs like Discover IT. 

Citi Simplicity? Citi Diamond Pref?  Chase Freedom?  Quicksilver?  Double Cash? or others.

Would like to apply tomorrow thank you all...

Thanks for the suggestions....

[Anonymous]

I don't see Chase as one of your cards.  I would go for Chase Sapphire Preferred for the bonus and match it up with Chase Freedom the same day for bonus categories.  Win-win-win.

[Skye12329]

factors for choosing a card like what kind of rewards, and your spending habits

[Anonymous]

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@Anonymous wrote:

Hello everyone, 

I need some help on this please....Please just state a card that you think would be a good one and then I will look into them...just some simple suggestions no need to go into other topics...thanks everyone yall are the best...

I am looking into getting another line of credit.  What do you guys think would be a choice?

Currently my credit score is around 730 plus accross the board. 

Have two lines Discover around 10K and Amex BCE 10K roughly.  Have had these two for almost 6 months now. 

I am seeking a card with no annual fee, high starting credit line, hopefully 0% apr on purchases for 18 months...with good reward programs like Discover IT. 

Citi Simplicity? Citi Diamond Pref?  Chase Freedom?  Quicksilver?  Double Cash? or others.

Would like to apply tomorrow thank you all...

Thanks for the suggestions....

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DoubleCash is definitely an excellent option here.

Freedom's categories are way too similar to Discover It's to benefit you unless you plan on getting a CSP as well for transfer to travel partners.

Quicksilver is a really mediocre option with your scores/likely profile, and Citi's Diamond Preferred and Simplicity don't offer much in the way of actual rewards.

[jsucool76]

What is your utilization like? And what do you spend the bulk of your money on?

[wacdenney]

It's really hard to make any kind of relevant recommendation without knowing more about your spending.

Persoanlly Chase AARP is one of my favorite cards because the 3% cash back on gas and dining fits my spending well.  The intro 0% APR on this one doesn't fit your 18 month requirement, however.  I believe the 0% intro APR on the AARP card is 15 months.

As far as the cards you're considering...

Citi Simplicity?   This one doesn't fit your need for a good rewards program.

Citi Diamond Pref?  This one doesn't fit your need for a good rewards program.

Chase Freedom?  This one fits most of your criteria but the 5% categories are going to overlap with Discover's a lot so it may not be the best bang for your buck.

Quicksilver?  No...

Double Cash?  This is probably the best option for you if a non-category general spend card is what you need.

or others.  Yes there are others.  Without knowing your spending categories it's difficult to know what to suggest.  If you travel a lot then CSP or Marriott may be good options.  If your spending fits it then Sallie Mae is a good card.  Let us know what you're looking for or what categories most of your spending falls into and we can make more pointed recommendations.

[Anonymous]

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@Anonymous wrote:

Hello everyone, 

I need some help on this please....Please just state a card that you think would be a good one and then I will look into them...just some simple suggestions no need to go into other topics...thanks everyone yall are the best...

I am looking into getting another line of credit.  What do you guys think would be a choice?

Currently my credit score is around 730 plus accross the board. 

Have two lines Discover around 10K and Amex BCE 10K roughly.  Have had these two for almost 6 months now. 

I am seeking a card with no annual fee, high starting credit line, hopefully 0% apr on purchases for 18 months...with good reward programs like Discover IT. 

Citi Simplicity? Citi Diamond Pref?  Chase Freedom?  Quicksilver?  Double Cash? or others.

Would like to apply tomorrow thank you all...

Thanks for the suggestions....

---

With ~10k lines with all your cards, I would say if you dont travel or travel a little bit, Barclay Arrival plus and Chase Sapphire Prefer. Both comes with ~90 AF and great benefit. If you travel heavily, you could consider Chase Ritz or Amex Platinum for travel benefits. 

[Anonymous]

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@Anonymous wrote:

Hello everyone, 

I need some help on this please....Please just state a card that you think would be a good one and then I will look into them...just some simple suggestions no need to go into other topics...thanks everyone yall are the best...

I am looking into getting another line of credit.  What do you guys think would be a choice?

Currently my credit score is around 730 plus accross the board. 

Have two lines Discover around 10K and Amex BCE 10K roughly.  Have had these two for almost 6 months now. 

I am seeking a card with no annual fee, high starting credit line, hopefully 0% apr on purchases for 18 months...with good reward programs like Discover IT. 

Citi Simplicity? Citi Diamond Pref?  Chase Freedom?  Quicksilver?  Double Cash? or others.

Would like to apply tomorrow thank you all...

Thanks for the suggestions....

---

No annual fee huh? Hmmm how about Double Cash, Amex Fidelity, Sallie Mae, Chase AARP, or Sam's Club (if you're already a member).

[core]

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@Anonymous wrote:
I would say if you dont travel or travel a little bit, Barclay Arrival plus and Chase Sapphire Prefer. Both comes with ~90 AF and great benefit. If you travel heavily, you could consider Chase Ritz or Amex Platinum for travel benefits.

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 If you "don't travel", what does the CSP do for you?  I mean besides the generous bonus.  I've got one and wouldn't pay even a $5 AF for it, so will be closing it when my year is up.  I didn't know it had "great benefit" for those who don't travel.  I may reconsider closing my account if I have missed something.

[kdm31091]

There is no great benefit to CSP if you don't travel. Without travel you're paying 95 bucks for a 2 percent sometimes card.