@Anonymous wrote:
Trying to figure out the differences are and what scores are needed for each of these cards?
For Chase , I did the comparison - not much of a difference between the two that I could see.
Citi - similar rewards but no intro APR - only on balance transfers.
Thoughts on these cards or similar?
All three of those have very different reward structures. Citi Double Cash gives you 2% across the board; 1% when you charge and 1% when you pay. Chase Freedom Unlimited earns 1.5% back across the board, 5% on travel purchases through the Chase portal, 3% on restaurants and drugstores, and a signup bonus that includes 5% on up to $12,000 in groceries the first year. Chase Freedom Flex earns 1% across the board, 5% on up to $1500 in rotating categories each quarter, 5% on travel purchases through the Chase portal, 3% on restaurants and drugstores, and a signup bonus that includes 5% on up to $12,000 in groceries the first year.
All three cards can also be paired with annual fee cards in the same family to increase the value of those earnings when combined with the points on those cards.
Your scores are in a range that may support approval for those cards, but approvals and the terms of them are about much more than scores alone. I would narrow it down to the types of cards you want, preferably long term, before continuing on. There are at least dozens of cards that come with a 0% introductory APR. If this is a large purchase (or purchases) you plan to make, you may want to err on the side of caution of lenders who are more likely to issue larger starting lines although that may be total guesswork with limited revolving history.
Do you have any derogatory information on your reports? No other credit accounts besides those 3 cards? Are you eligible for Navy Federal membership?
Another really good VISA card to consider is the BBVA ClearPoints. Th try have an online prequal tool that shows what your starting limit and APR will be and it is solid. I consider it a better card overall than any of the others you have listed because it has a uncapped 3% and 2% categories that you can choose. I have the 3% category set as my bills and utilities (which includes all utilities (electricity, water, trash p/u,internet/cable, gas), car insurance, cell phone bills) and it yields more card cash back than any other single card I have.
They also have flat 2% card, but you have to maintain a BBVA checking account with a direct deposit to get the 2%. It's a flat 1.5% card otherwise.
Here's the link if you want to see if you prequalify.
