Continuing to improve my score - looking for advice

[ExplicitElicit]

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@Bman70 wrote:

I would say get 3, let them age together. It will play hell with your AAoA, but that's a minor part of FICO scores and as a student you're building your future anyway so now is the time to do it. 

Everyone seems to have the Chase Freedom and the Discover IT. Which are solid rewards cards and combine well together. 

Freedom, IT and Sallie Mae would actually be an excellent card portfolio. No annual fees either. If you're wanting to venture into rented cards , Chase Sapphire Preferred gets waitresses' numbers, according to reports. 

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HAHA! Also if you currently bank with chase I would APP for the Freedom and CSP together! 

[Anonymous]

Awesome! Thank you for the suggestions! Am I safe applying for 2 at once or should I wait a certain time between applications?

[myjourney]

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@Anonymous wrote:

Awesome! Thank you for the suggestions! Am I safe applying for 2 at once or should I wait a certain time between applications?

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2-3 at same time and after that garden for at least 6 months 

[Anonymous]

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@Bman70 wrote:

Freedom, IT and Sallie Mae would actually be an excellent card portfolio. No annual fees either. If you're wanting to venture into rented cards , Chase Sapphire Preferred gets waitresses' numbers, according to reports. 

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haha! I don't think the gf would be happy about that!

[fargobzn]

You can't go wrong with the Cap1 Quicksilver, Chase Freedom, Discover It and Sallie Mae for cashback. 

I think a great 1-2-3 punch would be the Discover It, Sallie Mae and Quicksilver. I kind of like the Quicksilver since it gives 1.5% on everything, its nice to have when the cards with rotating categories can only offer 1%. 

[bigblue7722]

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@fargobzn wrote:

You can't go wrong with the Cap1 Quicksilver, Chase Freedom, Discover It and Sallie Mae for cashback. 

I think a great 1-2-3 punch would be the Discover It, Sallie Mae and Quicksilver. I kind of like the Quicksilver since it gives 1.5% on everything, its nice to have when the cards with rotating categories can only offer 1%. 

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the qs card makes me wonder if discover or chase will ever try to compete with the 1.5%

[Bman70]

Yep on the occasions the purchase is not gas (Sallie Mae or rotating Freedom or IT), food (Freedom, IT or Sallie Mae), Amazon (Sallie Mae), or one of the rotating categories, a solid everything card is nice. Has Quicksilver really cornered that market at 1.5%? I like my Quicksilvers, but someone must have invented a higher everything card by now... Anyone?

[Ghoshida]

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@Bman70 wrote:

Yep on the occasions the purchase is not gas (Sallie Mae or rotating Freedom or IT), food (Freedom, IT or Sallie Mae), Amazon (Sallie Mae), or one of the rotating categories, a solid everything card is nice. Has Quicksilver really cornered that market at 1.5%? I like my Quicksilvers, but someone must have invented a higher everything card by now... Anyone?

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Fidelity Amex is everything at 2%, and Barclay's Arrival + is everything at 2.2%. 

For the Fidelity Amex you need to have a CMA account with Fidelity (to get that 2% CB deposited there) and for the Arrival + you need to shell out $89 AF and cash out the points as travel redemption. 

[Themanwhocan]

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@Ghoshida wrote:

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@Bman70 wrote:

Yep on the occasions the purchase is not gas (Sallie Mae or rotating Freedom or IT), food (Freedom, IT or Sallie Mae), Amazon (Sallie Mae), or one of the rotating categories, a solid everything card is nice. Has Quicksilver really cornered that market at 1.5%? I like my Quicksilvers, but someone must have invented a higher everything card by now... Anyone?

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Fidelity Amex is everything at 2%, and Barclay's Arrival + is everything at 2.2%. 

For the Fidelity Amex you need to have a CMA account with Fidelity (to get that 2% CB deposited there) and for the Arrival + you need to shell out $89 AF and cash out the points as travel redemption. 

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If you can spend an average of $300/month or more on your 'everything else' card, then the NASA federal credit union VISA card is another possibility.

[bigblue7722]

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@Ghoshida wrote:

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@Bman70 wrote:

Yep on the occasions the purchase is not gas (Sallie Mae or rotating Freedom or IT), food (Freedom, IT or Sallie Mae), Amazon (Sallie Mae), or one of the rotating categories, a solid everything card is nice. Has Quicksilver really cornered that market at 1.5%? I like my Quicksilvers, but someone must have invented a higher everything card by now... Anyone?

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Fidelity Amex is everything at 2%, and Barclay's Arrival + is everything at 2.2%. 

For the Fidelity Amex you need to have a CMA account with Fidelity (to get that 2% CB deposited there) and for the Arrival + you need to shell out $89 AF and cash out the points as travel redemption. 

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Fid amex would be nice. But having to open up the extra account and I think it takes a lot to get your rewards out plus its an amex so not everyone is gonna take it. Im sure for some the arrival is great I am hoping I made the right choice with a freedom/csp combo