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After a few years I was recently able to get most of my credit card balances under control and I'm looking for recommendations on cards. My scores are in the 770s. Right now I have about 9k in credit card debt across the Bank of America card and the Amex. Everything else is at a 0 balance.
Any reward, cash back, or balance transfer cards you can recommend?
Here are my current cards:
American Express Blue
Discover It
Bank of America Platinum
Citi Simplicity
Chase Freedom Unlimited
Chase United Explorer
Chase Prime
Scheels Visa
PayPal Credit
Air Academy CU Platinum
Barclays CashForward
are you currently paying interest? do you need a 0% card?
US Bank Shield, 24 months (limited time promo as of 7/16/25) 0% intro apr on purchases/BTs







































You seem to have quite a few cards, what are you looking for?
Two cards I like and plan to get:
Amazon Card: simple cash back and easy to keep activity on card + $0 AF
AMEX Marriott Bevy Card: I stay at Marriott for work so padding points with this card makes sense. $250 AF easily offset with the rewards I get from it. Decent SUB. Doesn't help me but for anyone who doesn't travel for work it gives you Marriott silver status.
@GZG wrote:are you currently paying interest? do you need a 0% card?
US Bank Shield, 24 months (limited time promo as of 7/16/25) 0% intro apr on purchases/BTs
^this.
If you're paying interest on that 9K, a 0% BT would likely be worth more than any rewards card.
If not paying interest, then what are your priorities in a rewards card? What are looking for? Cash back, travel? More info would get better recs.
ETA: Citi Custom Cash is an easy recommendation on the cash back side.