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Welcome, @Anonymous.
I'd hold off for six months given that with the AU, you have three new accounts within the past three months. No harm in exploring possibilities for your next card right now, though.
@HeavenOhio wrote:Welcome, @Anonymous.
I'd hold off for six months given that with the AU, you have three new accounts within the past three months. No harm in exploring possibilities for your next card right now, though.
+1
I agree with others to sit tight for a bit.
But for a future card, maybe consider US Bank Cash+ for 5% cashback on your Utilities & Phone Provider.
Regarding travel, the Uber card is giving 3% airfare (no FTF) and the BoA is 3% for All Travel, but 3% FTF if you use it out of country. So the cashback aspect is fairly covered. The biggest issue is spreading yourself too thin across cashback and miles. It's possible to get a decent Miles card mixed in if only for that purpose, but to really benefit you, it would require using it quite a lot and exclusively for that reason, else you will cut into your cashback from your other cards. Something to consider....
Welcome to the forums @Anonymous.
Have you done CLIs for all of your cards? BoA, Cap1, Disco, Sync I believe are all SPs. (Not sure off the top of my head on Old Navy as it could be Sync?). Another card to look into besides the ones stated above would be the WF Propel. I would garden as others have mentioned though for now.
I personally think the OP has plenty of cards currently and if I were him I wouldn't app for any others at this time. Also OP, what is the source of your credit scores? You listed "FICO" but didn't say which FICO or which bureau (EX, TU, EQ) data that it's drawn on, and you mention TU and EQ scores, but not the scoring model, which means they could be VS 3.0 scores from Credit Karma, for example.
@Anonymous wrote:
I am a student with income of 30, 000$ per year
Credit history age 2 years
Credit scores
Fico 765
Transuniin 779
Equifax 779
Hard inquires open - 1
Ontime payment, no derogatory remarks
Current credit cards
1. Bofa Rewards : CL 6000$, utilization 2%, since August 2016
2. Discover : CL 3700$, utilization 2%, since Sept 2016
3. Capital one : CL 2200, utilization 1%, since Nov 2016
4. Amazon Store card: CL 3300, utilization 2%, sinceDec 2016
5. Old navy Store card : CL 2100, utilization 1%, since Dec 2018
6. Barclay uber visa card: CL 2500, since Feb 2019
7. Authorized user in American express blue cash for my wife : CL 4000, since Dec 2018
Usage
Groceries and supermarket - Amex 3% cash back, bofa 2%
Dining : Bofa 3%
Online shopping : Amazon 5%, Discover for international shopping, capital one for foreign transaction
No car : no gas rewards needed
Will use uber card for dining and take outs plus Spotify subscriptions
I think I don't have a good travel card, which will help me in earning miles.
I am open to advice what card would be best for me next to build up and diversify my credit card options
We take 1 week trip every 3 months to relax and enjoy life.
I would suggest either Citi Premier or Chase Sapphire Preferred or Reserve.
@Taurus22 wrote:I agree with others to sit tight for a bit.
But for a future card, maybe consider US Bank Cash+ for 5% cashback on your Utilities & Phone Provider.
To slightly hijaak this thread, is 5% on utilities always available, or only during some quarters? I looked at the US Bank site and don't seem to be able to see the categories without a login, is there somewhere they are available to view? Is cable included as a utility?