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What should my next major card be?

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revjamesl
Valued Contributor

What should my next major card be?

I currently have Chase Sapphire Preferred, AMEX BCP, Discover It, Chase Freedom, Barclay Arrival World+, Citi Diamond Preferred, and Capital One QuickSilver. What should I apply for next? I have been thinking about the AMEX EDP.

AMEX Platinum NPSL | Discover It $45.9k | Chase Sapphire Reserved $40.7k |Barclay Arrival+ WEMC $40k | PENFED Platinum Rewards VS $35k | Lowes $35k | BoA Better Balance Rewards $30k | AMEX EDP $25k | Cap 1 QS $23.25k | NASA Platinum $20k | Chase Freedom $15k | Synchrony Haverty's $16.5k | BBVA NBA Rockets AMEX $15k | FNBO AMEX $15k | Citi Diamond Preferred $10.7k | Best Buy $10k | Synchrony Rooms-to-Go $10k | US Bank Cash+ $7.5k | AMEX BCE $6k | Barclay Financing Visa 1k | |

AU on DW Accounts: Discover It $40k I AMEX BCE $30k | Chase Marriot $29.8k |

Credit Scores: 800 EQ/833 TU/831 EX
Message 1 of 11
10 REPLIES 10
Anonymous
Not applicable

Re: What should my next major card be?

Go for it.
Message 2 of 11
Anonymous
Not applicable

Re: What should my next major card be?

how about Diners Club card? it was all the rage last week!

Message 3 of 11
Anonymous
Not applicable

Re: What should my next major card be?

Citi Doublecash
Message 4 of 11
chalupaman
Super Contributor

Re: What should my next major card be?

Amex EDP for sure.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 5 of 11
lg8302ch
Senior Contributor

Re: What should my next major card be?

It is probably more the question what you would like the card to do for you? 

Message 6 of 11
joedtx
Valued Contributor

Re: What should my next major card be?

Nasa???? Just kiddin' had to say that! But what about Barlays Ring ? Smiley Happy

Message 7 of 11
takeshi74
Senior Contributor

Re: What should my next major card be?


@revjamesl wrote:

What should I apply for next? I have been thinking about the AMEX EDP.


Selecting a card is always about finding what suits the individual -- not about the cards.  You'd need to provide a lot more information on what you're looking for, what's deficient with your current line up, why you're consdering the EDP, etc.

 

Define the need then find a card that fits that versus going about it backwards and finding a card and trying to justify it.

Message 8 of 11
onepointatatime
Contributor

Re: What should my next major card be?


@revjamesl wrote:

I currently have Chase Sapphire Preferred, AMEX BCP, Discover It, Chase Freedom, Barclay Arrival World+, Citi Diamond Preferred, and Capital One QuickSilver. What should I apply for next? I have been thinking about the AMEX EDP.


I don't know if you travel a lot but if you do the AMEX Platinum is a good card.. you get your $100 back for Global Entry, $200 yearly credit in airline fees - and many say they've been able to buy gift certificates and used them for actual tickets thereby effectively reducing the yearly fee by $200, you get Priority Pass for lounge access all over the world which costs $250 or so by itself.. and other perks as well.  But as others have said, it actually depends on you.. there's no such thing as a good card for every person, I don't think.



Sep 2013: mid 500s | Sep 2014: myfico: EX 539 | EQ 594 | TU 694 || My Rebuilding Journey
myfico, 12/3/2015: EX 666 | EQ 677 | TU 689 | AAoA : 3y | INQs (12/24) EX 11/13 | EQ 5/9 | TU 4/7
Cards: Chase Sapphire Pref. $6K | BoA Travel Rewards $1.6K | Cap1 QS Rewards $7.5K | Priceline $0.5K | Credit Union $2K | Total (5) Revolving CLs: $17.6K
Goal Score 2015: FICO08 800+
Message 9 of 11
Blodreina
Established Contributor

Re: What should my next major card be?


@onepointatatime wrote:

@revjamesl wrote:

I currently have Chase Sapphire Preferred, AMEX BCP, Discover It, Chase Freedom, Barclay Arrival World+, Citi Diamond Preferred, and Capital One QuickSilver. What should I apply for next? I have been thinking about the AMEX EDP.


I don't know if you travel a lot but if you do the AMEX Platinum is a good card.. you get your $100 back for Global Entry, $200 yearly credit in airline fees - and many say they've been able to buy gift certificates and used them for actual tickets thereby effectively reducing the yearly fee by $200, you get Priority Pass for lounge access all over the world which costs $250 or so by itself.. and other perks as well.  But as others have said, it actually depends on you.. there's no such thing as a good card for every person, I don't think.


Flat rate cash back cards Smiley Happy

Message 10 of 11
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