Best New Credit Cards?

raisemysc0re · ‎10-12-2022

+1 for the WF Autograph.

I just got a $30K approval for this a couple of weeks ago . I use it for the 3% ags and Cell phone bill in addition to the cell protection plan.

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Starting Scores (06/2016):

Current Fico8 Scores (Updated 11/12/24):

Current Fico10 Scores (Updated 11/12/24):

SouthJamaica · ‎10-12-2022

@ptatohed wrote:
@jack92 wrote:
Hi.

Have there been any great new credit cards that have been launched lately?

Or overall, what in your opinion makes a great credit card? Which one is more important - cost structure (free/or monthly or annual fees) or rewards (points or cashback)?
The new card that seems great, on paper anyway, is the new AAA Travel Advantage. 5% gas and charging, 3% grocery, dining, travel, and AAA.

People are having issues with the switch from BoA to Comenity but hopefully that will get sorted out. The other bummer thing is I 'think' it's only available in the northeast. As soon as I put in my zip code (CA) as prompted, I am directed to other AAA cards.

@ptatohed Your post inspired me to apply for the AAA Travel Advantage, got instant approval for a $5200 line. Thanks.

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 23700

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

Geo-fenced credit union Platinum Visa 10500

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682

BronzeTrader · ‎10-14-2022

@increasingmyfico wrote:
Suprised no one has mentioned the Wells Fargo Autograph. It was recently released to a lot of fanfare.

Nothing really exciting for the WF cards. Its point system is dead last. Until WF improves that, I won't put any spending on its cards. I still get the Propel card.

No love with WF now.

ptatohed · ‎10-15-2022

For me, I refuse to give any business to WF.

https://en.wikipedia.org/wiki/Wells_Fargo_account_fraud_scandal

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

Hoben02 · ‎10-15-2022

Well the newest credit cards are the ones that offer rewards in crypto like Gemini, Blockfi, SoFi, etc. however, I wouldn't say they are the best right now in light of the circumstances. I suggest you look at where your high spend categories are and see if your current cards have the best rewards. You can use the CardPointers app to guide you in each category

Chase (CSP,CF,CFU,southwest premier)
Barclay(jetblue, arrival)
Bofa(US pride, premium, travel, cash, Suzy komen)
Citi(Premier, Double cash, Costco)
Fnbo(Mlife)
Amex(everyday, cash, Hilton)
Blockfi
Caesars rewards
Sofi
Gemini
Cap One Savor One

wasCB14 · ‎10-15-2022

@ptatohed wrote:
For me, I refuse to give any business to WF.

https://en.wikipedia.org/wiki/Wells_Fargo_account_fraud_scandal

I'm not sure what the largest bank is that hasn't had a similar scandal.

Citi https://www.justice.gov/opa/pr/justice-department-federal-and-state-partners-secure-record-7-billion...

JP Morgan Chase https://www.reuters.com/article/us-jpmorgan-madoff-deal/decades-long-ties-to-madoff-cost-jpmorgan-2-...

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select

BronzeTrader · ‎10-16-2022

I have no problem giving a lot of my credit card business to Wells Fargo BILT card.

It is the card, not the bank that I do business.

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