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Go ahead check the pre-qualify link on cap1 and discover and see what they give you.
I'd go Discover over Capital One if you get approvals on both. Reason being, you get a cashback match on the first year of spending, so that comes to 2% total on non category spend and 10% on category (5% normal plus 5% match).
After a year, if you keep everything current, you should be ready to apply for more specific cards to fit your needs.
Hi and welcome to the forums @Anonymous
OP stated they already have a Discover card. So unless it's over a year old, and they want another one, Disco may not be in the running.
OP, what's holding your score low(ish). What kind of negatives do you have? Collections? Charge offs? Lates?
Are you looking for cash back card? Travel? Could you provide a little bit more information on what you're looking for in a card?
@Remedios wrote:
OP stated they already have a Discover card. So unless it's over a year old, and they want another one, Disco may not be in the running.
ooops. Sorry...guess I should not hop in before my coffee.
@Anonymous wrote:
What is SP?
SP = Soft Pull
Below is a helpful link that can assist with any of the abbreviations used throughout the site. Welcome!