Suggestions for Next Card

[Anonymous]

Just be mindful of the interest rates.

[morgacj2004]

Discover IT chrome. Great card and they like thin profiles

[driftless]

Do you see yourself traveling in the future?

[Anonymous]

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@Anonymous wrote:

Discover IT was on the radar, but wondering what would make that a better choice than the Freedom?

I only want another card because I'd like to pad my profile now while I'm starting out so that when I am older a new account won't hurt my AAoA. 

I think I'd like to stick with my Marriott card for resturants, unless you can transfer the CSR rewards points to Marriott? I didn't think that that would be possible because Marriott is cobranded but I suppose I could be wrong. 

Would a Chase Amazon or Target card be worth it, considering I spend at these places often?

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I have one of the Freedom cards. I'm not in love with it. Actually, I rarely ever use it.

My mom has the Amazon card, it has a really good reward plan.

[MrDisco99]

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@Anonymous wrote:

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@Anonymous wrote:

Discover IT was on the radar, but wondering what would make that a better choice than the Freedom?  The one difference is that when you open a Discover IT, Discover will match your cash.  Say you earn $100 in that first year, Discover will give you $100 = total of $200 (only for that first year). Also, if the categories do not fall under the same 3 month period for Discover and Freedom, you can really maximize.

Discover Details

I only want another card because I'd like to pad my profile now while I'm starting out so that when I am older a new account won't hurt my AAoA. 

I think I'd like to stick with my Marriott card for resturants, unless you can transfer the CSR rewards points to Marriott? I didn't think that that would be possible because Marriott is cobranded but I suppose I could be wrong.  You are able to transfer UR points to Marriot.

Myfico Source

Would a Chase Amazon or Target card be worth it, considering I spend at these places often? I personally would go for the Amazon as it is a bigger online store with more options.  Remember, Chase has a 5/24 rule.  Link below.

Myfico Source

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See red and links above.

Edit: I would go for Amazon first then Discover.

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You can transfer Chase UR to Marriott.  Points transfer at a 1:1 rate, which is actually not bad compared to the earn rate on the Marriott card.

Also, while the Marriott card is subject to the 5/24 restriction, the Amazon card is not.

[Anonymous]

Sorry guys, forgot about this thread for a couple days. 

@Driftless, I usually go on two 3-4 day trips per year, normally to California from Arizona, but I am going to NYC in Decemeber. Next summer I am hoping to spend about 6 weeks in London, and if I go I will be travelling around the continent while I am there. 

@Stargazer, Yes I already did my AMEX 3x CLI at 77 days (oops), and planning on going for another in December (181 days). 

@c00myg, Thank you for all the info! Would definitely be more interested in the CSP after knowing the points tansfer to Marriott. I still feel pulled to the Discover IT and Freedom though for the categories, as I already have cards for resturants, and I also am not interested in the AF for the CSP. At the moment I think I will follow your suggestion to go for the Amazon and then Discover. If I am correct, the Discover will grow overtime much more than the Freedom, and I already have one Chase card that I am fostering. 

As for the 5/24 rule, I am not concerned because I do not plan on applying for anything until March when I will be at 2/24. 

[Anonymous]

Update: Decided to check for PreQual at Discover and it came back with Discover IT for Students and Discover It Chrome for Students. Checked Chase and nothing comes up. 

Would it be worth it to app now for the discover it?

[Anonymous]

Discover secured is awesome too.

Also, click here to see if you can PC that cap1 visa journey into a QS with a flat 1.5% cashback.

After that, if you're struggling to get pre-approved for the CCs you like I'd jump into applying for PenFed and DCU CCs, you might get surprised, and if they approved me and gave me high enough SL I'd cancel Merriot after they show on my report and before Merriot's AF, to build history free of any AF, unless you *really* wanted that card for something specific. CAncelling Merriot wouldn't affect your score age at all

[Anonymous]

I get what you’re saying, but I really like my Marriott card both because I love getting free hotel stays and because it is my only chase card. Also I already paid the AF and it’s my highest credit limit card.

I also never get prequals for anything, I am only 19 and (I thought) you had to be 21 to get them.

[HeavenOhio]

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@Anonymous wrote:

Discover secured is awesome too.

Also, click here to see if you can PC that cap1 visa journey into a QS with a flat 1.5% cashback.

After that, if you're struggling to get pre-approved for the CCs you like I'd jump into applying for PenFed and DCU CCs, you might get surprised, and if they approved me and gave me high enough SL I'd cancel Merriot after they show on my report and before Merriot's AF, to build history free of any AF, unless you *really* wanted that card for something specific. CAncelling Merriot wouldn't affect your score age at all

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The Discover secured card is a great product, but the OP is well past the need for secured cards. He's well positioned for a mainstream Discover card if he chooses to go that route.

I'm not sure if the Journey can be PC'ed, but it doesn't hurt to ask. Even if it can't be PC'ed, there's no harm in keeping it around indefinitely. It contributes to account age, there's no annual fee, and there's no foreign transaction fee.

OP, I like the way that you're building. You have four good cards. And you're on a good pace: not too fast and not unnecessarily slow. Two cards per year is a great plan as you're not going to be denied based on too many accounts or inquiries. You're well positioned for most products at this point. The only area where I'd be cautious is if a card has a high starting limit that a bank may not be ready to grant you yet.

I also like the fact that you obviously determined that the Mariott's annual fee provides value in return before you applied for the card.

My main suggestion at this point is that because you have two cards on the AMEX network, at least one of your new cards should be either a Visa or MasterCard. Citi DoubleCash might be an option. Discover would be an option for the second card if you decide it's a good fit.