Which CC should I go for?

[rollerkosh]

FICO score of 740

No missed payment in 7 years

Hard Pulls: 1

Average Age of Accts: 5 years

Credit Ratio: 40% 

Derogitory Remarks in my reports: 0

whats my best option. I have never had a good CC before, max good is my own bank and Capital one.

[BearsAndTurtlesRtheBest]

Nice file! It all depends on what you spend the most, also do you prefer cashback, rewards, miles etc.

[BearsAndTurtlesRtheBest]

Is it the same picture for all 3 CBs?

[Laugh]

Simmons First. Low apr and high limits if approved

[rollerkosh]

I don't want anything special in terms of rewards as it is the first time I am attempting to go for a good CC. My basic want is to have a good CL. Any kinds of rewards or benefits are ok with me.

[BearsAndTurtlesRtheBest]

FNBO is known for giving great intital CLs.

[Luscher]

Chase Freedom

[DigitalArk]

If you are qualified to join NFCU (Navy Federal Credit Union) and you are not too concerned about the rewards, then get a cashRewards CC from them. They are known for giving generous CL.

https://www.navyfederal.org/products-services/cards/creditcards/cashrewards.php

[09Lexie]

What cc's do you currently have and their limits? I'd also work on getting that util down if you want better terms.

[Slab]

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@rollerkosh wrote:

FICO score of 740

No missed payment in 7 years

Hard Pulls: 1

Average Age of Accts: 5 years

Credit Ratio: 40% 

Derogitory Remarks in my reports: 0

whats my best option. I have never had a good CC before, max good is my own bank and Capital one.

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Why not go for a top flight card? Everything looks to be in order and I would go for the AMEX BCE which will probably pull Experian. Also, you could go for Discover It. Neither of these charge a fee.