Planning my first app spree!

[Anonymous]

I've never done a spree before, always just one card at a time while I built my file. Now that I have 5 cards, AAOA 3 years 4 months, the Alliant loan from 3 years 5 months ago still going strong, and oldest card 5 years 5 months old, I think it's time gve mysel fa nice big payoff for all y  hard work.

Can't get y exact FICO score because I pulled them earlier this year and then the info was lost when computer crashed. But no lates, no deogatory marks, 1 inquiry across all 3 bureaus and Vantage 3.0 score is 794.

Looking for cash back cards only! What do you all recommend?

So far I'm thinking of the following lineup:

• Chase Freedom, $150 SUB spend $500
• BOA America Cash Rewards, $200 SUB spend $1000
• US Bank Cash + Visa signature, $150 SUB spend $500

We typically live pretty frugal and meeting these spend requireents would be tricky, except we're about to get a lot of work done on a vehicle. I'll get quotes on Monday but I expect it to bump up our expenses at least enough to meet these. Might be ble to squeeze in another one but I'm not sure I want to do the drop in AAOA for 4 cards; 3 is probably my comfort zone at the moment.

[kilroy8]

US Bank can be tricky. If you have any inqs or new accounts within past six months, it will likely take recon to approve. Chase has the famous 5/24, BoA is a jealous one as well.

They don't look like spree friendly cards to me.

[mikesonthemend]

Have you looked to see if you have an upgrade offer from BCE to BCP? You can always downgrade back to BCE after hitting your sub. No pulls, no 5/24 slots.

Good luck! Keep us posted.

[M_Smart007]

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@Anonymous wrote:

I've never done a spree before, always just one card at a time while I built my file. Now that I have 5 cards, AAOA 3 years 4 months, the Alliant loan from 3 years 5 months ago still going strong, and oldest card 5 years 5 months old, I think it's time gve mysel fa nice big payoff for all y  hard work.

Can't get y exact FICO score because I pulled them earlier this year and then the info was lost when computer crashed. But no lates, no deogatory marks, 1 inquiry across all 3 bureaus and Vantage 3.0 score is 794.

Looking for cash back cards only! What do you all recommend?

So far I'm thinking of the following lineup:

• Chase Freedom, $150 SUB spend $500
• BOA America Cash Rewards, $200 SUB spend $1000
• US Bank Cash + Visa signature, $150 SUB spend $500

We typically live pretty frugal and meeting these spend requireents would be tricky, except we're about to get a lot of work done on a vehicle. I'll get quotes on Monday but I expect it to bump up our expenses at least enough to meet these. Might be ble to squeeze in another one but I'm not sure I want to do the drop in AAOA for 4 cards; 3 is probably my comfort zone at the moment.

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I hold all 3 of those cards, I don't know how old your Chase FU in your Siggy is?

Having FICO 8/9 Scores would help give insight?

if you had a Thick profile I would say 4, but Best stick to 3 Apps.

Chase you can check pre-approvals online, In Branch is Best if you can do that?

This Helps you: "But no lates, no deogatory marks, 1 inquiry across all 3 bureaus" + "AAOA 3 years 4 months,"

GL2U

Let us know how it turns out?

[kilroy8]

The very best cashback card, at least for its first year, is DiscoverIt. You get cashback match, which makes everything 2%, and the quarterly categories (right now restaurants and paypal) 10%. Your profile looks like a shoo in for it from what you have shown, and they don't spook as easily as most.

[Anonymous]

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@kilroy8 wrote:

The very best cashback card, at least for its first year, is DiscoverIt. You get cashback match, which makes everything 2%, and the quarterly categories (right now restaurants and paypal) 10%. Your profile looks like a shoo in for it from what you have shown, and they don't spook as easily as most.

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Actually Disco Miles is 3% for the first year.

[mikesonthemend]

It is the Disvo IT Balance Transfer card with the rotating 5%. And it is awesome!

[Anonymous]

• Chase Freedom, $150 SUB spend $500 - double pull of 2 of the 3 CRA's and it's a bit random
• BOA America Cash Rewards, $200 SUB spend $1000 - single pull usually and it's a random
• US Bank Cash + Visa signature, $150 SUB spend $500 - single pull usually and it's a random.... unless you do it during the opening of another account like checking/savings, then it's usually a TU pull

From the looks of it you're aiming at cash back and $0 AF cards.  I would swap CF for CFU at a minimum for 3% for a year w/ a 20K cap or CSP for a year and collect the $505 for the 4K spend.

BOA $200 is a pretty typical offer for them unless you go for PR then it's $500 for a 3K spend. 

USB is not very good w/ SUB's but, long term hold of Cash+ makes sense for everyone that has a monthly utility bill for 5% back.

https://frequentmiler.boardingarea.com/best-credit-card-sign-up-offers/  -- take  a look here at some of the other offers and see if anything catches your eye.

Barclay's can be a quick $100 w/ Uber after $500 spend and they pull TU

Depending on where you live there's some other hidden gems you might qualify for a low spend and $100-$200 cash back.  

[Anonymous]

I would just pick two and come back for the third in 6 months. It's not worth risking getting your cards shut down. 

I would pick Chase and US Bank first. 

[SouthJamaica]

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@Anonymous wrote:

I've never done a spree before, always just one card at a time while I built my file. Now that I have 5 cards, AAOA 3 years 4 months, the Alliant loan from 3 years 5 months ago still going strong, and oldest card 5 years 5 months old, I think it's time gve mysel fa nice big payoff for all y  hard work.

Can't get y exact FICO score because I pulled them earlier this year and then the info was lost when computer crashed. But no lates, no deogatory marks, 1 inquiry across all 3 bureaus and Vantage 3.0 score is 794.

Looking for cash back cards only! What do you all recommend?

So far I'm thinking of the following lineup:

• Chase Freedom, $150 SUB spend $500
• BOA America Cash Rewards, $200 SUB spend $1000
• US Bank Cash + Visa signature, $150 SUB spend $500

We typically live pretty frugal and meeting these spend requireents would be tricky, except we're about to get a lot of work done on a vehicle. I'll get quotes on Monday but I expect it to bump up our expenses at least enough to meet these. Might be ble to squeeze in another one but I'm not sure I want to do the drop in AAOA for 4 cards; 3 is probably my comfort zone at the moment.

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IMHO you should just pick one card, and concentrate your spend on that.

If it were me, I would go for the Chase Freedom.