Prime Cards

[Anonymous]

Just taking a census...What do you all consider Prime cards? As well if you have a Prime card what did you do with your sub-prime cards (I am assuming subprime is your credit1, cap1, orchard bank, 1st premier...etc?

[Tommy5746]

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@Anonymous wrote:

Just taking a census...What do you all consider Prime cards? As well if you have a Prime card what did you do with your sub-prime cards (I am assuming subprime is your credit1, cap1, orchard bank, 1st premier...etc?

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Prime:

Amex

Chase

Discover

Citi

SOME people consider Capital Ones Venture card to be prime but thats debatable

Bank of America

SubPrime:

almost all Capital One ones

Almost all store branded cards

credit one

first premier

You get the idea.. Rebuiler cards are always subprime

[Anonymous]

Thanks Tommy

[jamie123]

These would be my suggestions as to what cards are prime:

AMEX

Bank of America

Chase

CitiBank

Discover

Wells Fargo

Barclays (Maybe)

All other cards are sub-prime.

[Jlu]

a card is prime if it meets two of the three criteria:

1) No AF (Unless mathmatically justified)
2) 0% Intro or other promotion
3) Rewards

4) >$1000 Limit

[asteroidblues86]

Capital One Venture cards are prime.

[RockinRay]

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@asteroidblues86 wrote:

Capital One Venture cards are prime.

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Yep - so is my Green Cash Back card...

[jamie123]

Jlu,

Almost all cards could meet your criteria.

Your #4 at >$1000 is really low. The cards I listed, and is actually one of my criteria, will regularly issue cards that have in excess of 20K+ credit lines. Lenders that issue credit likes in excess of 20K+ are what I consider prime.

[asteroidblues86]

First National Bank of Omaha cards are prime.

[Cdnewmanpac]

I think the concept of prime cards or lenders is a misnomer. There are prime borrowers and subprime borrowers. Some lenders target only subprime borrowers, such as first premier. Some target both with different products, such as capital one. Some target both with the same product, such as the discover more and chase freedom. But there aren't really "prime" cards or lenders. The term has no meaning in that context. Every time someone asks this question (about once a month), someone instantly names capital one as a "subprime" card. This is followed within milliseconds by someone pointing out that the venture is a prime card. Getting a chase freedom with a 650 score doesn't make you a prime borrower, even if chase is a "prime" lender and many view the freedom as a "prime" card. Fico makes no distinction and most of the stories about Amex making the distinction are apocryphal.