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I currently have 3 accounts, 2 CCs in the sig and an auto lease. Those two CCs cover 100% of all my categories of expenses and I can't really justify getting another card unless it were like a Citi DC which would give me another .5% CB but it would render my Amex useless. What could be another account I could open in attempt to diversify for score purposes. I have a TU 780, so I'm not desperate, I guess I am trying to give myself the most leverage.
I don't do any travel at all, I don't do hotels(tried to stay at a hotel for the first time a couple weeks ago and my reservation that I made online was not honored due to that I'm not 21 years old). I really aim for the cash back cards because they make the most sense for my spending.
If you're looking for cashback as a 3rd card I would maybe consider the Chase Freedom card. Rotating categories every three months like the Disco IT and it won't interfere with your current spending unless it's a category you'll know you'll use it on otherwise use your other two cards as you are doing right now.
@800who wrote:I don't do any travel at all, I don't do hotels(tried to stay at a hotel for the first time a couple weeks ago and my reservation that I made online was not honored due to that I'm not 21 years old). I really aim for the cash back cards because they make the most sense for my spending.
I agree with @KLEXH25 that you should have a Mastercard or Visa. Too many places don't accept Discover or Amex.
I agree with @simplynoir that Chase Freedom is a good cash back card; others are Chase Freedom Unlimited, and Citi Double Cash.
Ducks Unlimited is a Visa (Signature) and pays 5% on gas and 5% on sporting goods with no AF.
Savor is a WEMC and pays 4% on dining and 4% entertainment and gas a $500 SUB.
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!
OP, do you have any closed accounts on your CR in addition to your 3 open accounts? I ask because closed accounts count equally toward file thickness, so I'm trying to gauge if your file is indeed thin or not at this point.
I do think another CC wouldn't be a bad idea and something like Discover or Chase Freedom that may have 5% rotating categories that suit your spend could be beneficial. Chances are those 5% categories at times will render your current 2 cards useless during certain quarters, but that's OK as you'll be getting more CB.
Chase Freedom would be my vote as you're young and it's great to get a Chase card early on since they're likely not going anywhere being the biggest bank in the country. My pops still has his original Chase card (his oldest account) which is about 50 years old.