Re: New Card recommendations - myFICO® Forums - 6807639

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Good afternoon all. It's been a little while since I've been on here. And I've had the itch to grab a new card. I'm basically looking for rewards and a possible 0% card either or. My signature is accurate as of today. I'd appreciate any and all your ideas. Thanks in advance and I hope all are doing well in this new year!

NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 13,700 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay1k | Citi premier+ 13,600 | Citi Double Cash 18,800 | Citi Simplicity 10,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | citi custom cash 11,600 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 7,500 | Chevron 2,500 | Fico 8 Scores EQ=848 | EX=799 | TU=830scores and CL current as of 03/16/25 AAoA years 24 months | AoOA=18yrs

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14 REPLIES 14

@SFLSpotter9210 wrote:
Good afternoon all. It's been a little while since I've been on here. And I've had the itch to grab a new card. I'm basically looking for rewards and a possible 0% card either or. My signature is accurate as of today. I'd appreciate any and all your ideas. Thanks in advance and I hope all are doing well in this new year!

When you say rewards, are you Team Cashback or Team Travel?

Elan Financial Max Cash Preferred VS | $25k @ 18.74% (prime + 11.24%) | 7/20/2021

Elan Financial Max Cash Preferred WMC | $25k @ 18.74% (prime + 11.24%) | 7/20/2021

BofA Customized Cash Rewards WMC | $25k @ 18.24% (prime + 10.74%) | 4/13/2022

BofA Customized Cash Rewards VS | $25k @ 18.24% (prime + 10.74%) | 4/13/2019

BofA Premium Rewards VS | $28k @ 20.24% (prime + 12.74%) | 4/13/2025

Chase Marriott Bonvoy Boundless VS | $17.1k @ 25.49% (prime + 17.99%) | 7/20/2025

Amazon Prime VS | $25k @ 18.49% (prime + 10.99%) | 1/20/2021

Chase Freedom Flex WMC | $25k @ 25.24% (prime + 17.74%) | 7/20/2024

Gemini Card WMC | $21k @ 17.24% (prime + 9.74%) | 6/21/2022

Shop Your Way MC | $10.4k @ 33.24% (prime + 25.74%) | 7/20/2024

AmEx Blue Cash Preferred | $10k @ 18.24% (prime + 10.74%) | 7/20/2022

AU -

The Ritz-Carlton Visa Infinite | $20k (Authorized User) | 9/11/2023

Biz -

Chase Ink Business Preferred VS Business | $8.5k @ 17.49% (prime + 9.99%) | 6/21/2021

Chase Ink Business Cash VS Business | $20k @ 17.49% (prime + 9.99%) | 6/21/2025

AmEx Blue Business Plus | $30k @ 17.49% (prime + 9.99%) | 6/21/2024

AmEx Marriott Bonvoy Business | $25k @ 27.24% (prime + 19.74%) | 6/21/2025

Sock -

AOD FCU VS | $5k @ 17.00% (prime + 9.50%) | 6/15/2021

Affinity FCU Cash Rewards VS | $35k @ 16.75% (prime + 9.25%) | 6/17/2022

AmEx EveryDay | $20k @ 19.49% (prime + 11.99%) | 8/12/2003

Debit Cards -

PayPal Debit Card | 5% Cashback | 9/21/2024

Quontic Cash Rewards Checking Debit Card | 1% Cashback | 12/1/2024

Affinity Cash Back Debit Card | 1% Cashback | 9/21/2024

Affinity High-Yield Checking Debit Card | 5.5% APY on $15k | 9/21/2024

Chopping Block -

Chase Ink Business Unlimited VS Business | $500 @ 23.49% (prime + 15.99%) | 6/21/2024

Macy’s AmEx | $25k @ 30.24% (prime + 22.74%) | 5/13/2011

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Maybe go for the Citi Custom Cash for the 5% categories? After that, assuming you aren't using the Citi Simplicity, you could product change it into a second Custom Cash (definitely app for one first!) for another 5% category or change it into a Rewards+ so you get a 10% boost on all your Citi spend.

Affinity Cash Rewards | $5,000 | 09/2022

AAA Daily Advantage Visa | $9,400 | 11/2022

BCU Travel Rewards | $20,000 | 08/2023

Citi Custom Cash #2 (PC from AAdvantage Platinum Select) | $6,400 | 01/2024

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@unsungivy sorry I'm referring to cash back. Thanks

NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 13,700 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay1k | Citi premier+ 13,600 | Citi Double Cash 18,800 | Citi Simplicity 10,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | citi custom cash 11,600 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 7,500 | Chevron 2,500 | Fico 8 Scores EQ=848 | EX=799 | TU=830scores and CL current as of 03/16/25 AAoA years 24 months | AoOA=18yrs

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@DakotaM good looking out thanks for the recommendations.

NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 13,700 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay1k | Citi premier+ 13,600 | Citi Double Cash 18,800 | Citi Simplicity 10,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | citi custom cash 11,600 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 7,500 | Chevron 2,500 | Fico 8 Scores EQ=848 | EX=799 | TU=830scores and CL current as of 03/16/25 AAoA years 24 months | AoOA=18yrs

Message 5 of 15

biz cards at all?

any Chase Ink card, US Bank Triple Cash/WF Signify

otherwise, Citi Strata Premier, or Chase Sapphire Preferred come to mind

Starting FICO 8:

Current FICO 8:

4/6, 4/12, 8/24 new accounts

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@GZG excellent choices I have a lot of information to digest and research. Thanks again.

NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 13,700 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay1k | Citi premier+ 13,600 | Citi Double Cash 18,800 | Citi Simplicity 10,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | citi custom cash 11,600 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 7,500 | Chevron 2,500 | Fico 8 Scores EQ=848 | EX=799 | TU=830scores and CL current as of 03/16/25 AAoA years 24 months | AoOA=18yrs

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If you have $100K in an IRA or similar, US Bank Smartly is a major cashback card.

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@Anonymous thank you I did see that great tool for sure.

NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 13,700 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay1k | Citi premier+ 13,600 | Citi Double Cash 18,800 | Citi Simplicity 10,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | citi custom cash 11,600 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 7,500 | Chevron 2,500 | Fico 8 Scores EQ=848 | EX=799 | TU=830scores and CL current as of 03/16/25 AAoA years 24 months | AoOA=18yrs

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I find the Citi Strata card to be an excellent choice due to it's hybrid usage.

While it is a points rewards card, you can pull $750 in monetary value out of the card upon meeting the SUB offer. Or you can amply it's value if used with transfer partners. Very potent if used together with a P1 and P2 combo. I just had a post the other day how $1500 in rewards, could secure a $5000 in value vacation, so long as you don't have a wine/champagne and caviar taste.

$XXX,XXX in credit lines.
Multiple weeks in free credit reward vacations.
$X,XXX in bank rewards in only 12 months.
I like FREE...

800+ FICO.

Making all numbers dance on a financial ledger.
Abuse that score responsibility.

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