Citi requires the EX pull.
Citi DC is probably out of reach for you (they denied me after pulling TU and EX), maybe check the PayPal Cashback. It’s a Synchrony card and offers the same 2% cash back.
When I applied for the Costco visa, Citi pulled eq and ex, so the only other option
would be tu.
With a 643 TU, you should have a shot but I can’t guess at what the CL would be. Sync has been soft pulling EX or EQ (they SP EQ for me) in addition to a TU HP lately so if you go for it, make sure all three are unfrozen (Synchrony has issues SPing when reports are frozen - I had to thaw my TU for them to be able to start my FICO score monitoring and every time I ask for a CLI) but the most likely HP is TU.
NFCU is fantastic for growth but they are HP happy too. I have 2 on TU and 3 on EQ from them.
Navy’s Amex is a 3/2/1 card. It has a $50 minimum redemption for cash back but otherwise it’s pretty straightforward.
I was approved with a 706 TU because I had just gotten some negatives removed via the EE process which got me an $8K SL on the PayPal card, however, there are people around your score that got approved, even if it was $300 or $700, Synchrony cards tend to grow rapidly (the PayPal DPs suggest they don’t tend to grow until the 5th month generally).
With a 652 TU less than 2 weeks before I went for the PayPal, Sync instantly approved me for $1800 on the Amazon Prime Store Card for some reference.
Honestly I just looked at your cards and I think you should just park it in the garden. You’ve got a great deck of cards for rebuilding. I would just let things age now.
2% is not much more than 1.5% in the grand scheme of things and if you hit up the Member Mall with NFCU, you’ll get your 1.5% cash back plus a minimum of 1% additional for any affiliate links you follow from the store.
@Saeren thanks for the advice I think you are right! I will garden for now and let these cards grow and use NFCU to my advantage for now.