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Suggestions: Which card to get next?

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SecretAzure
Valued Contributor

Suggestions: Which card to get next?

In June I will be applying for 2 credit cards. I know I will be applying for the Barclaycard Ring Mastercard (super low interest good for big purchases) but I want another card. Right now, 3 cards is building up my credit too slowly. I am sitting at 776 according to CK with the 2 reports is uses now (TU, EF). I don't often carry a balance. Which card should I get next?  

Things that interest me in a new card: Low interest, No annual fee, average or above customer service, and easy to understand benefits.


My current cards are an Amex (Bluecash Everyday) ($9,100), a texaco gas card ($4500), and a secured cap one (which I personally don't like the company so I will avoid if possible {don't give me an increase past the $550 I have}). 

All help is appreciated! Thank you.

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 1 of 15
14 REPLIES 14
SecretAzure
Valued Contributor

Re: Suggestions: Which card to get next?

I'm not sure if bumping is allowed on these forums but would like some help and or opinions on the aforementioned matter.

 

Thanks! Smiley Happy

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 2 of 15
Skye12329
Valued Contributor

Re: Suggestions: Which card to get next?

Well many cards offer no Annual Fee. Low interest rates will generally be based on credit report and most lenders go as 12.99% for the lowest. Barclays ring or a credit union would be a great suggestion for a interest that is lower. As for customer service personally I love Discover, Chase is good but I mainly like their Chase Sapphire Preferred since its like Discover where it's instant representative but that does have a annual fee.

Next question is what are you looking for? Just a low interest rate card? If so I would suggest Barclays ring or a Credit union card for low interest rates.
BK7 - 2/21
Cap1 QS - 2k (4/21) - Closed
Mission Lane - 4k (11/21) - Closed
Venmo - 900 (11/21) - Closed
SavorOne - 2700 (12/21)
VentureOne - 2000 (7/22) - Closed
CareCredit - 15000 (6/23)
Sam's Club - 5000 (7/23)
Venture - 5500 (8/24)
HELOC - 33000 (7/23)
Venture X - 15000 (11/24)
WF Reflect - 5000 (6/25)
Costco - 6800 (8/25)
Message 3 of 15
SecretAzure
Valued Contributor

Re: Suggestions: Which card to get next?

Yeah, I'm definately going to apply for the Ring card but also another card that I havn't chosen yet.

 

In general, I'm not sure what to look for. I don't travel much so the cards with miles kind of seem not very useful to me as I would need an entire course teaching me the ins-and-outs of travel. For example, I get offered British Airways on Credit Karma but to get the most benefits you'd need to spend $30,000 a year on it...I don't even make that much a year.

 

Thanks for your opinion 

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 4 of 15
IncrsCredScore
Frequent Contributor

Re: Suggestions: Which card to get next?

Recently I applied for and received an AARP Visa Signature card.  No fee, I honestly don't know about interest rate because I pay off every month, and 2% off of just about everything I can think of.  They also offer additional discounts at small local firms.  So recommend checking them out.  I was surprisingly instantly approved for what to me is a large credit limit. 

Message 5 of 15
SecretAzure
Valued Contributor

Re: Suggestions: Which card to get next?


@IncrsCredScore wrote:

Recently I applied for and received an AARP Visa Signature card.  No fee, I honestly don't know about interest rate because I pay off every month, and 2% off of just about everything I can think of.  They also offer additional discounts at small local firms.  So recommend checking them out.  I was surprisingly instantly approved for what to me is a large credit limit. 


Does this card have an age restriction or can anyone with appropriate score get it? 

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 6 of 15
IncrsCredScore
Frequent Contributor

Re: Suggestions: Which card to get next?


@SecretAzure wrote:

@IncrsCredScore wrote:

Recently I applied for and received an AARP Visa Signature card.  No fee, I honestly don't know about interest rate because I pay off every month, and 2% off of just about everything I can think of.  They also offer additional discounts at small local firms.  So recommend checking them out.  I was surprisingly instantly approved for what to me is a large credit limit. 


Does this card have an age restriction or can anyone with appropriate score get it? 


I really don't know the answer.  I don't recall being asked my age when I applied.  Its worth checking into, IMO.

Message 7 of 15
SecretAzure
Valued Contributor

Re: Suggestions: Which card to get next?


@IncrsCredScore wrote:

@SecretAzure wrote:

@IncrsCredScore wrote:

Recently I applied for and received an AARP Visa Signature card.  No fee, I honestly don't know about interest rate because I pay off every month, and 2% off of just about everything I can think of.  They also offer additional discounts at small local firms.  So recommend checking them out.  I was surprisingly instantly approved for what to me is a large credit limit. 


Does this card have an age restriction or can anyone with appropriate score get it? 


I really don't know the answer.  I don't recall being asked my age when I applied.  Its worth checking into, IMO.


Thanks so much for your input, will definately check it out. I've got 3 months before I do anything so I have plenty of time.

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 8 of 15
Focused10
Established Contributor

Re: Suggestions: Which card to get next?

Chase has great cards, good intro offers and good customer service. I have the Freedom and I like it.

;;;
BCE: $2K | Amazon: $5K | BBVAmex: $7.5K | AAdvntge: $8.5K | AMEX: $30K | Frdm: $10K | Citi: $6.2K | FNB: $10K | NASA: $25K | CapOne QS: $10K | Chase Marriott: $12K ~ Garden 3.2.16
Message 9 of 15
SecretAzure
Valued Contributor

Re: Suggestions: Which card to get next?


@Focused10 wrote:

Chase has great cards, good intro offers and good customer service. I have the Freedom and I like it.


That's 2 people saying good things about Chase. I was considering Chase and Discover but not sure which of either would be better. Thanks for your input.

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 10 of 15
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