@MrFiah wrote:Thanks for the recommendations on nfcu and fnbo .... Is one way better than the other?
Welcome to My Fico Forums, @MrFiah. 
Rather than trying for the three cards to optimize your FICO score, growing your file is the priority now. We often say here that building your credit is like running a marathon, not a sprint. We often see new members try to build their profile too quickly, but there are downsides to that. Adding new inquiries and new accounts carries their own scoring penalties and makes lenders more nervous on a young, thin profile. And adding new cards now would more likely lead to lower limits than if you give it a little more time. We have many members who find themselves in "toy limit hell" by proceeding too quickly and have difficulty climbing out of it. I would suggest waiting until you have a year to eighteen months with those two cards and then slowly start to add from there, about one new account no sooner than every six months.
Navy FCU is a perennial favorite on My Fico. They are *by far* the largest credit union in the US, larger than some mid-size banks. They have great customer service. They are friendly to thin profiles and those with past derogatories or lower scores. And they are quite generous to many with their credit limits, especially as your membership experience with them grows. The downside is that you must be either a military veteran yourself or have family members that would qualify. However, that includes a wide range of relationships such as grandparents, parents, siblings, or children. >>This link<< will give you more information about NFCU membership.
I'm pretty sure that your Discover card, once unsecured, will grow quite rapidly with dedicated usage. I would focus on those two cards and build from there, but there's no hurry to add more at this point.
I would also suggest that when you do add another card, look to the lenders where your deposit accounts are located. Lenders often like customers who have other products and may be a little more open to a thinner file with existing customers. A local bank or credit union is a great place to start if you don't have those types of accounts.
There is some really great advice here! The hardest exercise for me in learning to manage my credit is being patient. I am by nature the type of person who likes to jump into projects with lots of energy and get things done quickly, but the credit world seems to frown on that mentality, especially at the beginning.
You are already on a great start, but I would not make another move until you get your credit scores, which sounds like that will be soon (please share when they post!). Then you will be in a better position to decide when it's best to add another tradeline. In the meantime, you have some time to investigate some of the suggestions made here. If you can get into Navy Federal Credit Union, I highly recommend that you do, they offer a lot of other really great tools to grow your credit, like low APR secured loans (SSL's). They also have a good secured card that will graduate in 6 months, in case you don't yet qualify for unsecured,
Your Discover should graduate after your 8th full statement. Those were the first 2 cards I started with last year and they both graduated on time. I didn't want to add much more revolving credit until that happened. Since then, I've been getting asked to the dance a lot more often, by much better looking partners than used to come a-knocking. 