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Which card is best

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Warrior2000
Regular Contributor

Which card is best

After years of credit building, I just closed on a home this past month and now I want to look for a good credit card.

My credit ranges from 650-677 and have a BK in 2007. Few inquiries the past 2 years.
Looking for something with miles if possible but best card for my situation willwork.
Message 1 of 17
16 REPLIES 16
Warrior2000
Regular Contributor

Re: Which card is best

In addition, I have a secured CP1 with a limit of 500 and a unsecured Quicksilver with a limit 4800
Message 2 of 17
chalupaman
Super Contributor

Re: Which card is best


@Warrior2000 wrote:
After years of credit building, I just closed on a home this past month and now I want to look for a good credit card.

My credit ranges from 650-677 and have a BK in 2007. Few inquiries the past 2 years.
Looking for something with miles if possible but best card for my situation willwork.

Have you looked at Barclays Arrival Plus? That might be a good fit for you.

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 3 of 17
Anonymous
Not applicable

Re: Which card is best

where do you spend your money each month?
Message 4 of 17
Warrior2000
Regular Contributor

Re: Which card is best

I dont really buy a ton of stuff. Just want to start a good credit portfolio.
Message 5 of 17
Anonymous
Not applicable

Re: Which card is best

why do you want a miles card?
Message 6 of 17
Warrior2000
Regular Contributor

Re: Which card is best

Traveling
Message 7 of 17
redpat
Senior Contributor

Re: Which card is best

Mille and reward cards usually have 3k spend in three months for their sign-up bonus.

 

I would suggest that you research a card that fits your needs and spend.  Most of these cards also have annual fees associated with them so I can be very expensive to have a credit card "portfolio".  

 

I would suggest discover or chase freedom, no AF and 5% categories.  Also, great CCCs.

Personal Cards: Amex Delta Res | CSR | Citi AA Exec | Citi Strata Premier Business Cards: Ink+ | Amex BBP
Message 8 of 17
Warrior2000
Regular Contributor

Re: Which card is best

Great thanks!
Message 9 of 17
chalupaman
Super Contributor

Re: Which card is best


@redpat wrote:

Mille and reward cards usually have 3k spend in three months for their sign-up bonus.

 

I would suggest that you research a card that fits your needs and spend.  Most of these cards also have annual fees associated with them so I can be very expensive to have a credit card "portfolio".  

 

I would suggest discover or chase freedom, no AF and 5% categories.  Also, great CCCs.


I basically agree with this especially with what the OP said after. Good call.

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 10 of 17
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