Which card to get?

[Anonymous]

I want to get a mastercard or an american express.. My fico score is 737 and my experian is 743. I'm thinking about getting the amex bce, the chase sapphire mastecard or the bofa chase rewards mastecard. I've had the amex zync for over a year. What do you guys think? Thanks.

[Anonymous]

Which FICO score are you quoting and where did you get it?  Also the experian score is from where and what score?

I really like Chase Sapphire preferred.  Good points for dining and travel.  Waived first year AF and good signup bonus currently (make sure you get this).

On the other hand, BCE is really nice too with no AF.  Plus you get some AMEX backdating to help with your AAoA.

So why not go for both?  They don't have overlapping bonus categories.

[Anonymous]

The fico score is equifax, I purchased it from here. I got my experian score from experian.com. I was thinking the same thing, but I also have a freedom card.

[tntexans72]

I would get BOTH - CSP and BCE. Both have different rewards and both banks will more than likely pull different reports. GL.

[Anonymous]

I would go for the Chase Sapphire Preferred!!!

[Anonymous]

Does Amex give good limits? I kinda want to get the bce if they usually do.

[Anonymous]

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@tntexans72 wrote:

I would get BOTH - CSP and BCE. Both have different rewards and both banks will more than likely pull different reports. GL.

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This. It's what I plan to do.

[Anonymous]

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@Anonymous wrote:

Does Amex give good limits? I kinda want to get the bce if they usually do.

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AMEX can be a little weird with credit limits with person's first revolver with them.  But nice thing about AMEX is that you can get regular CLIs with soft pulls until 25k.  Obviously, you need to qualify for the CLIs.  My average limit was around 15kish.  My first revolver gave me 8k limit.  Just did the 61 day CLI request and up to 24k now.

[Anonymous]

Oh ok thanks! Whats your credit score and which credit reporting agency did they run?

[Anonymous]

Almost always pull experian, but with revolvers I hear they pull others more often. No sure on current ex score since you basically can't get anywhere and haven't been denied and gotten score that way. My cu gives credit grade off experian fico but apped since last grading. So probably around mid 700s to lower mid 700s on real ex fico