What card should I apply for next?

[Madyun1982]

Hello everyone..

I'll be SD a few of my cards that won't grow. And I'm looking to add another. But I'm unsure on what card to get next. I was just approved for the Amex Cash magnet card 1/27/2020 SL 10,600

I have a pre approval for their Delta car . Which would be nice, because I always fly Delta.

But I'm also interested in applying for a 2nd NFCU card.. My starting limit was 500.. Then it bumped to 1,500.. Just got another sp CLI to 4,500

My other cards are as follow..

Discover it..1,063/14500 Did a balance transfer on this card.. so that's why it's a balance.. Just hit 1 year mark with them this Feb..

Or should I just use the amex, and let out grow. And let the inqs I Have fall off? Thanks in advance 

Penfed 7,500 0 bal

Capital 1 quick silver 1,250 0 bal

Target redcard 2,600 0 bal

Walmart store card 6,500 0 bal

Neiman Marcus 14,000 0 bal

Discover it 2,200 0 balance 

PayPal Extras 5000 0 bal

Uber Visa 3,500 0 bal

Penfed personal loan of 1,500/ 395 remaining..

FICO 8 score

Experian 771 inq 11 3 set to fall off this month

Equifax 776 7 inqs 

Trans 774 5 inqs 3 set to fall off over the next few months. 

No baddies.. 

[Anonymous]

It seems like you have a bunch of good cards, not to mention the Amex you were just approved for. I would use the Amex and let that grow a bit while letting your inquiries fall off.

[Madyun1982]

Yea.. I think holding off may be best. 

I just think I'm  going through the itch faze.. Lol

[Anonymous]

Go for the 2nd NFCU card and then you should be set for awhile IMO. 

[seattletravels]

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@Anonymous wrote:

Go for the 2nd NFCU card and then you should be set for awhile IMO. 

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This. 

[Madyun1982]

If I did go for the 2nd NFCU card..

Which is the best?  I have the cash rewards Visa now..

[Anonymous]

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@Madyun1982 wrote:

If I did go for the 2nd NFCU card..

Which is the best?  I have the cash rewards Visa now..

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Do you have travel expenses? If so, Flagship is a no brainer if you can hit the $4K spend and collect $500. 

Otherwise I would get the More Rewards. $250 for spending $3K in 90 days and 3X gas, grocery, transit, and dining covers a lot of spend. 

[Anonymous]

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@Anonymous wrote:

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@Madyun1982 wrote:

If I did go for the 2nd NFCU card..

Which is the best?  I have the cash rewards Visa now..

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Do you have travel expenses? If so, Flagship is a no brainer if you can hit the $4K spend and collect $500. 

Otherwise I would get the More Rewards. $250 for spending $3K in 90 days and 3X gas, grocery, transit, and dining covers a lot of spend. 

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That's a lot of spend for only 500 or 250! 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Madyun1982 wrote:

If I did go for the 2nd NFCU card..

Which is the best?  I have the cash rewards Visa now..

---

Do you have travel expenses? If so, Flagship is a no brainer if you can hit the $4K spend and collect $500. 

Otherwise I would get the More Rewards. $250 for spending $3K in 90 days and 3X gas, grocery, transit, and dining covers a lot of spend. 

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That's a lot of spend for only 500 or 250! 

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Not as bad as the cashRewards - $150 for $3K. 

But it's better than $0. I mean if you're just looking to add one card anyway, it doesn't really matter that much. 

[Madyun1982]

I think I may do the travel.. I plan a vacation every year. So I can just put it on that card.. Then pay it back just to get the SUB..