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I want a new card but don't know what to get.

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Anonymous
Not applicable

I want a new card but don't know what to get.

So I am looking to get another card.  I currently have the CSP the Freedom and a discover card(don't know the name, its from 08).  I never use the discover as i think its a waste of card but keep it open for its history(1st card).  The CSP I usually use when eatting out and when I am on vacation(also use it to book my vacations).  The freedom use to be the CS and it rarely gets used.  I am looking for another card mainly to give to my fiance to use for groceries as I usualy pay cash for everything I purchase.

Message 1 of 19
18 REPLIES 18
OmarGB9
Community Leader
Super Contributor

Re: I want a new card but don't know what to get.

Amex BCE or BCP for groceries. Or Barclays Rewards. Kinda taking a shot in the dark here with the limited info provided lol. Scores? Baddies? Existing limits?

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 2 of 19
Anonymous
Not applicable

Re: I want a new card but don't know what to get.

Message 3 of 19
Anonymous
Not applicable

Re: I want a new card but don't know what to get.

Nothing bad on my report that I'm aware of, recently purchased a house last october and scores were high 7s i believe and my discover fico always reports around the low 8s

 

Message 4 of 19
SouthJamaica
Mega Contributor

Re: I want a new card but don't know what to get.


@Anonymous wrote:

So I am looking to get another card.  I currently have the CSP the Freedom and a discover card(don't know the name, its from 08).  I never use the discover as i think its a waste of card but keep it open for its history(1st card).  The CSP I usually use when eatting out and when I am on vacation(also use it to book my vacations).  The freedom use to be the CS and it rarely gets used.  I am looking for another card mainly to give to my fiance to use for groceries as I usualy pay cash for everything I purchase.


If you want a card with low fees and low interest, and don't care about rewards.... I would recommend the Barclays Ring card. It's my favorite card of all.


Total revolving limits 569520 (505320 reporting) FICO 8: EQ 699 TU 696 EX 673




Message 5 of 19
lhcole77
Valued Contributor

Re: I want a new card but don't know what to get.


@Anonymous wrote:

So I am looking to get another card.  I currently have the CSP the Freedom and a discover card(don't know the name, its from 08).  I never use the discover as i think its a waste of card but keep it open for its history(1st card).  The CSP I usually use when eatting out and when I am on vacation(also use it to book my vacations).  The freedom use to be the CS and it rarely gets used.  I am looking for another card mainly to give to my fiance to use for groceries as I usualy pay cash for everything I purchase.


What would you like your rewards to be from the purchases? Cash back? For travel?

Message 6 of 19
Anonymous
Not applicable

Re: I want a new card but don't know what to get.

Why wouldn't you see if Discover can PC that card to the it card? Get the 5% cash back on it. May give you a better reason to use it here and there.

Message 7 of 19
Aarvard
Established Contributor

Re: I want a new card but don't know what to get.

When you're here long enough, that will become "I don't want a new card, but I don't how I got it" lol


@Anonymous wrote:

So I am looking to get another card.  I currently have the CSP the Freedom and a discover card(don't know the name, its from 08).  I never use the discover as i think its a waste of card but keep it open for its history(1st card).  The CSP I usually use when eatting out and when I am on vacation(also use it to book my vacations).  The freedom use to be the CS and it rarely gets used.  I am looking for another card mainly to give to my fiance to use for groceries as I usualy pay cash for everything I purchase.


 

03/25/2015 TU 08 765, EX 08 747, EQ 08 757, EQ 04 754.
01/30/2016 TU 08 775, EX 08 752, EQ 08 744
Goal: 780+ across all models.
Message 8 of 19
fot1
Established Contributor

Re: I want a new card but don't know what to get.

Sallie Mae is my go to grocery store card..

Too many to list..
Message 9 of 19
Anonymous
Not applicable

Re: I want a new card but don't know what to get.

This is a situation where sticking to UR may be the easiest thing to do because you travel.

 

You could consider going for an Ink Bold as it has a great signup and 5% back on cable/phone bills and office supply stores.  Then transfer those to the CSP. And transfer all freedom to CSP.  

 

You could also add a cobranded airline card if you wanted. Do you stick w/ the same airline??...for priority boarding, checked bag, mileage bonus, etc. Delta has $50 and 50k skylmiles promo.  You could grab 50k MRs from a NPSL card , the Amex PRG.

 

Since you got the mortgage, you could kinda go a little crazy if you wanted. But I would try to pick out what will make you the most based on your spend.

 

Citi Prestige might be one to consider as well.

 

Regardless its always nice having discover categories paired with the Freedoms...so you may want to PC the discover. What discover card do you have?   How much monthly spend?

Message 10 of 19
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