Recommended third CC

[Anonymous]

I'm nearing my 6 month of credit history and I have two credit cards. C1 QS and BoA 321. Only 2 hard inquiries per report.

I am adamant about saving my 4th and 5th card for a CSP and either CF or CFU.

So I'm between an AMEX, Discover or NFCU card. I want something that will grow large, past 5k, before I attempt Chase around November.

I'm attracted to Discover for the 5% categories and the double rewards for the first year, and the SP CLI.

I like NFCU because they tend to start large and I do not belong to a CU yet.

Amex grows quickly, but I don't really want an AF so preferred cards don't feel like an option.

I can't seem to choose. Which would be wiser?

[mongstradamus]

The one thing i would ask myself is do i "really" need another card. I personally would get discover if i needed to have another card, but if don't need new card i would just leave things the way they are now and just let your credit history grow with no additional HP. 

[Anonymous]

Sounds like you want the amex card more.if you are set on no AFs then id say go with the Amex Everyday card. I personally would go with the Gold Card from amex for the 1st amex card due to the benifits.

For your CSP card enjoy it but that card should be a stepping stone to better cards. 

You might also look at hotel credit cards they are easier to get and usually come with a higher line of credit.

Discover is good also but some on here say that discover is harder to get. 

Id app the CSP over the discover. But doing amex wouldnt hurt you.

[Anonymous]

At 6 months of credit history I was approved for $1k with the Amex BCE on a student income. It's a great card, and AMEX loves thin, clean files, which sounds like is what you have. After 61 days hit the CLI button for $3k and most likely youll get it. Discover is also very good towards thin files. With Discover you can get $50 for signing up if you use a referral link, and 5% in rotating categories. Plus all of your rewards double at the end of your first year. Discover also grows very well.

Since youre looking at getting in with Chase in the future, then it wouldnt be AS important to start a history with Amex, so it's really up to you. But I would go for Amex BCE or Discover It.

[Anonymous]

---

@Anonymous wrote:
I'm nearing my 6 month of credit history and I have two credit cards. C1 QS and BoA 321. Only 2 hard inquiries per report.

I am adamant about saving my 4th and 5th card for a CSP and either CF or CFU.

So I'm between an AMEX, Discover or NFCU card. I want something that will grow large, past 5k, before I attempt Chase around November.

I'm attracted to Discover for the 5% categories and the double rewards for the first year, and the SP CLI.

I like NFCU because they tend to start large and I do not belong to a CU yet.

Amex grows quickly, but I don't really want an AF so preferred cards don't feel like an option.

I can't seem to choose. Which would be wiser?

---

I'd get discover, starting limit could be low, but growth potential is well documented as long as you press that button at intervals suggested here.

Also it is not as effective later when you've got more "reward cards", as the double CB is time limited and even the 5% can conflict(same category for same quarter) with other cards later. I wouldn't have bothered with this card if I didn't get it early in the process (IIRC it was my 3rd card).

While something like Amex ED has a niche category bonus and no time limited boost so later is fine.

[austinguy907]

---

@Anonymous wrote:

I want something that will grow large, past 5k, before I attempt Chase around November.

I'm attracted to Discover for the 5% categories and the double rewards for the first year, and the SP CLI.

I like NFCU because they tend to start large and I do not belong to a CU yet.

Amex grows quickly, but I don't really want an AF so preferred cards don't feel like an option.

---

Well, that's an easy goal with all 3 of these options.  Why not pick up all 3 of them and then sit in the garden for a couple of years growing them into respectable limits that Chase will envy when you come out of the 5/24 scenario?  You would have 5 solid cards to anchor your credit future on and they'll age together.  If later on you decide to close one of them it won't hurt as much since they're all going to be within 6 months of age of each other.

[Anonymous]

---

@austinguy907 wrote:

---

@Anonymous wrote:

I want something that will grow large, past 5k, before I attempt Chase around November.

I'm attracted to Discover for the 5% categories and the double rewards for the first year, and the SP CLI.

I like NFCU because they tend to start large and I do not belong to a CU yet.

Amex grows quickly, but I don't really want an AF so preferred cards don't feel like an option.

---

Well, that's an easy goal with all 3 of these options.  Why not pick up all 3 of them and then sit in the garden for a couple of years growing them into respectable limits that Chase will envy when you come out of the 5/24 scenario?  You would have 5 solid cards to anchor your credit future on and they'll age together.  If later on you decide to close one of them it won't hurt as much since they're all going to be within 6 months of age of each other.

---

Mainly because I'm a little impatient to try to get with Chase and I want to make sure I can get two of their cards.  Then I'm done for a long time.  I'll be gardening for years after that because really 5 is all I want.  My strategy here is that I hear Chase doesn't want to be your first high limit card, so I want to get to a higher limit.

I might achieve that with BoA at my 6th month mark CLI, but they might only give me 2-3k and I'd be stuck.

[Anonymous]

Those are 3 great choices. The thing with Chase is once you get one you can bypass 5/24 through their website when they have selected offers for you.  So with that said what I would do is get Disco & Amex and make them grow for a bit. Then get one from Chase, then right after go for NFCU. Then you can pickup the other Chase card when they offer it to you. 

That's just an example and one way of doing it. There are many roads to the forest.  Do what's best for you of course.  I don't know much about NFCU except that they are awesome of course, the only reason I said put them last is because I don't know how easily they throw those large limits out in relation to available credit.  If you could get high limits on that off the bat then I'd get NFCU & Disco instead of Amex as I personally favor Discover's business practices to Amex and both are capable of growing high.

Although what Austinguy said is right and would apply to you if you don't plan to do anymore apping after those first 2 Chase Cards.  Chase isn't known for being easy with CLI.  A lot of people get chase cards early then app for more later and combine to get high limits.  But if you want high limits right off the bat and that's it, then do what Austinguy said.

[newhis]

Can you provide your current limits, FICO score (yet?) and income?

Check Amex pre-qual site. Sometimes you can get the BCE with $250 welcome bonus + 10% restaurants.

Check Chase pre-qual site every month or so, if they show the CSP is almost a sure thing.

For Amex you need to get it with at least 2K SL to get over 5K in a few months.

Discover is good but it will be hard to get above 5K, in a few months, if you start low.

[Anonymous]

Capital One Quicksilver - $300 - Opened Oct 20th, 2016

Bank of America CashRewards - $1,000 - Opened Feb 18th, 2017

Income is $37,000. 

I don't have a FICO score yet.  I won't have one for a couple of months.  My goal was to get a FICO score, get a SSL going for a good boost, then app for my third card.

I know it doesn't mean anything, but CK shows me at 706/701.