@Kingnk
Welcome to the myFICO forum! We're happy to have you with us! 
You already have a nice collection of credit cards,
and I see that you're a member of the FICO 700 Club
across the board. So you shouldn't have any problem
being approved for whatever cards you're looking for.
In the interest of getting maximum cards with the fewest
number of hard pulls, I would like to suggest the following:
-- I don't see any Amex cards in your current credit card portfolio.
So I'd advise you to go to their website and see which cards you
prequalify for. There's a prequal link at the top of their homepage.
After you get a list of prequal cards, go ahead and apply for one.
If approved, your first inquiry will most likely be a hard pull from Experian.
However, all subsequent inquiries should be soft pulls because Amex
soft pulls EX for current members (even if you are brand new.)
Tip: myFICO members have enjoyed great success applying for a
revolver card like Amex Every Day and a charge card like the new
Amex Gold. If all goes to plan, it'll only cost you one hard pull.
-- Next, I would advise you to consider joining PenFed credit union.
PenFed is a really big hit here in the forum, and they do a hard pull
on Equifax FICO 9. But the best part is that their hard pull is good for
30-90 days. So make sure you verify with PenFed customer service
that the EQ hard pull is good for 90 days before apping more than 1 card.
Tip: myFICO members who are currently PenFed members report that
you need a EQ FICO 9 650 for the Promise Visa (PenFed's most popular card)
and a FICO 9 680 for premium cards like Amex Pathfinder and the
Power Cash Rewards Visa. So again, app within the 30-90 day window
and it'll only cost you 1 hard pull.
Hope this helps. Please let us know what you decide to do,
and keep us posted on your progress. Thanks for sharing!
Welcome, i would pick one and go with it, one that would best suit your needs. You can always get another in 6 months if you choose. Sorry, i lol at wanting not get a hp and having nothing to show for it. This is me. Ive gotten so many of those recently i have hit the emergency brakes on apping anything
App sprees are never a good idea. You'll pay for it later when you want something and can't get it due to your spree.
@Anonymous wrote:
I had auto loan inquiries on all of my reports but most of them are gone & score went up...thinking on getting travel, hotel cards that has a good bonus with the higher limits...I have been gardening for than 4 years now...what would be the best 2 cards?
Your scores are more than fine and you've been gardening for a while. 2 cards aren't going to be the end of the world. Especially if you find use for them. I'm not saying go crazy with it. But two new CC's isn't what I'd consider a spree.
I'd look at the Amex Hilton or SPG, Chase IHG or Chase Hyatt for hotel cards. They've been offering large SUBs lately. The new Wells Fargo Propel has a decent SUB. Takes forever to get it. lol But the categories are wide.
The banks could be a little tighter, but from what you've told us. I personally don't see an issue for you.
I apped for seven cards 2.5 months ago and closed four others. So two new CCs seems like nothing too me lol. I'm already back receiving preapproved offers from banks. My scores dropped 10 to 15 points on average depending on the FICO score used by most banks. None of that has really made much difference in obtaining credit. There will always be certain banks to avoid after you take a couple of hard pulls. Some are way more sensitive than others. Barclays and Capital One come to mind. While others could care less about your two hard pulls.
Amex being one of them. Good luck with whatever you decide.
Just to prove your world won't come crashing from adding two CC's. Here's one offer I received today. I'm in chill mode. So I won't be apping for anything, probably the rest of this year. Unless I really could use it. Oh and hard pulls and denials will happen from time to time. It doesn't matter how good your credit is or how old the AAoA. It's just the nature of the beast.
