Looking for recommendations for a "step up" card

hapagrrl · ‎10-27-2017

I got nice bump in my scores recently and only have 3 cards right now, but wouldn't mind adding one more - something a little higher up, so to speak, than what I have now (visa w/ my credit union -$5k, Discover - $1.4k, Amazon Chase - $3k). Chase doesn't have any offers/says I don't pre-qual for anything. Should I try for a Discover IT Miles? something else?

Starting Score, 2011: TU 635, EQ 637, EX/FAKO 538
2014 (mortgage broker pull): TU 670, EQ 669, EX 674
2017 FICO 8: TU 730, EQ 732, EX 738 - Finally made the 700 club!
2021 FICO 8: TU 693 EQ 705 EX 690
I only have four cards, so not worth showing. $15,600 total CL.

Anonymous · ‎10-27-2017

Citi Double Cash maybe?

Amex something or other?

have you checked all the prequal sites?

hapagrrl · ‎10-27-2017

I just checked AMEX and got back Premiere Rewards Gold card. Don't know if that's a decent one or not, though? So far, I've checked Chase (no), Discover (no), AMEX. I can't think of any other pre-qual sites to go to.

Starting Score, 2011: TU 635, EQ 637, EX/FAKO 538
2014 (mortgage broker pull): TU 670, EQ 669, EX 674
2017 FICO 8: TU 730, EQ 732, EX 738 - Finally made the 700 club!
2021 FICO 8: TU 693 EQ 705 EX 690
I only have four cards, so not worth showing. $15,600 total CL.

Anonymous · ‎10-27-2017

My favorites are Citi Double Cash and BofA Cash rewards.

Citi Double cash earns 2% back = 1% on spend + 1% on payments. Terrific card, usually gets World Elite Mastercard status with good credit. Only bummer to the card it is Citi; usually conservative with limits and limit increases.

Bank of America Cash rewards card is also excellent. It hs a few good categories that you cant find anywhere else. 3% on gas, 2% on grocery and wholesale and 1% on everything else. Not a bad deal at all. My card started with a 5000 dollar limit and in 3 months I took a HP and was bumped to 10100 and then another 3 months in i took another HP and now its 17200. Wicked grower with moderate use and large payments. HPs are TU.

Even with all that I would recommend Citi Double Cash first. But BofA solid second. I use both very frequently. After that AMEX BCP.

Good Luck!

Anonymous · ‎10-27-2017

I got you

https://www.doctorofcredit.com/view-personalized-credit-card-offers/

Anonymous · ‎10-27-2017

PRG Amex is a good card. It is nice when you get offered the Pay Over Time feature in case you wanted to use the card as a Revolver. However it does not impact your utilization in regards to your credit profile. Solid card, decent AF for what the card and AMEX offer. SIgn up bonus is worthy too.

Have you tried Capital One prequal?

hapagrrl · ‎10-27-2017

@Anonymous wrote:
I got you

https://www.doctorofcredit.com/view-personalized-credit-card-offers/

Wow - you really do. Thank you!!

Starting Score, 2011: TU 635, EQ 637, EX/FAKO 538
2014 (mortgage broker pull): TU 670, EQ 669, EX 674
2017 FICO 8: TU 730, EQ 732, EX 738 - Finally made the 700 club!
2021 FICO 8: TU 693 EQ 705 EX 690
I only have four cards, so not worth showing. $15,600 total CL.

hapagrrl · ‎10-27-2017

@Anonymous wrote:
PRG Amex is a good card. It is nice when you get offered the Pay Over Time feature in case you wanted to use the card as a Revolver. However it does not impact your utilization in regards to your credit profile. Solid card, decent AF for what the card and AMEX offer. SIgn up bonus is worthy too.

Have you tried Capital One prequal?

Okay pulled the trigger and PRG Amex is saying they'll send me a decision in 14 days..? Capitol One prequal came back with Cap One Platinum only

Starting Score, 2011: TU 635, EQ 637, EX/FAKO 538
2014 (mortgage broker pull): TU 670, EQ 669, EX 674
2017 FICO 8: TU 730, EQ 732, EX 738 - Finally made the 700 club!
2021 FICO 8: TU 693 EQ 705 EX 690
I only have four cards, so not worth showing. $15,600 total CL.

Anonymous · ‎10-27-2017

14 days is usually good news. Check their status page

Anonymous · ‎10-27-2017

@hapagrrl wrote:
@Anonymous wrote:
PRG Amex is a good card. It is nice when you get offered the Pay Over Time feature in case you wanted to use the card as a Revolver. However it does not impact your utilization in regards to your credit profile. Solid card, decent AF for what the card and AMEX offer. SIgn up bonus is worthy too.

Have you tried Capital One prequal?
Okay pulled the trigger and PRG Amex is saying they'll send me a decision in 14 days..? Capitol One prequal came back with Cap One Platinum only

No worries, that is a typical response, it just means someone is going to look at it. The good thing about charge cards is the limit is flexible, meaning if they think you are moderate risk they can still approve you but they just wont let you spend a ton on it. If you are denied there is reconsidation lines you can call and most people have a high success rate with that even. Good luck! Keep us posted.

Capital One doesnt even know what they want for customers, shrug that right off.