Replacing Cap One

[Anonymous]

After much thought and a recent interaction with Cap One I have decided to replace them with a better card. I do not have a Mastercard yet but Visa is also on the list. Amex and Discover I do not want any more of at this time.

Id really rather avoid Citi as there TY points dont seem to be right for me. BoA has been going crazy lately and I already have a card through them so probally not them either. Ive considered Chase but I have heard that they do not accept 2 apps within 6 months. 

I would like a points/travel card that has no expiration or limit on points. Something I can use to gradually get a flight or travel credit. I have looked myself but the people in this forum have named cards that I havent even heard of before. Any ideas?

[Platinum]

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@Anonymous wrote:

After much thought and a recent interaction with Cap One I have decided to replace them with a better card. I do not have a Mastercard yet but Visa is also on the list. Amex and Discover I do not want any more of at this time.

Id really rather avoid Citi as there TY points dont seem to be right for me. BoA has been going crazy lately and I already have a card through them so probally not them either. Ive considered Chase but I have heard that they do not accept 2 apps within 6 months. 

I would like a points/travel card that has no expiration or limit on points. Something I can use to gradually get a flight or travel credit. I have looked myself but the people in this forum have named cards that I havent even heard of before. Any ideas?

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I applied and was approved for 3 new accounts with Chase in less then 2 months.

[espnjunkie]

Haha do you really need anymore credit Tanner?

[Anonymous]

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@espnjunkie wrote:

Haha do you really need anymore credit Tanner?

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Lol probally not. I just have a feeling if one goes I must replace it. Ill keep what I have for the time being.

[Anonymous]

The Barclay Rewards Mastercard looks very promising.  Barclayclay cards seems fairly easy to obtain and they are generous with credit limits.  Additionally, in the event your declined most forum members have had success with calling their backdoor number for a reconsider.

https://www.barclaycardus.com/apply/Landing.action?campaignId=1583&cellNumber=8&referrerid=BCUSORGOG

[Anonymous]

I thought Barclays was subprime? Im looking for something like a MC World/Visa Sig. I dont really want a limit under 5K. Looking into Chase's cards with UA/CO or Hyatt. Both of those seem like that will fit my needs.

[espnjunkie]

 how much credit do you need? Cancelling your journey card will have no impact whatsoever on your profile. I figure if you want to get the most out of your rewards then pick one or two cards and use them for everything instead of spreading charges out across many cards. Your AMEX charge cards plus the chase sapphire are more than enough to cover your personal expenses each month and get you rewards. If you aren't carrying balances and are always paying in full there isn't much need to seek more credit.

[Anonymous]

Barclays is Prime...I remember on the phone while activating my card the CSR said my rate will vary with the prime rate....And I feel the same on replacing a card after you close one

[Anonymous]

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@espnjunkie wrote:

 how much credit do you need? Cancelling your journey card will have no impact whatsoever on your profile. I figure if you want to get the most out of your rewards then pick one or two cards and use them for everything instead of spreading charges out across many cards. Your AMEX charge cards plus the chase sapphire are more than enough to cover your personal expenses each month and get you rewards. If you aren't carrying balances and are always paying in full there isn't much need to seek more credit.

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Well I just get this feeling if one goes away I need something to replace it. Weird I know. Its just that Visa/MC are accepted nearly everywhere including overseas. I dont carry a balance but sometimes I will report a high amount and then pay it off if I cant pay before the statement cuts. This drives uti up and charge cards only make it worse. I know I shouldnt be concerned about loosing a 750 line but its just that weird feeling of loosing a card with nothing to replace it.

[john398]

I think Chase Freedom would be a great choice espcially with the $300 cash back bonus