also, crapital one is hurting your score by the way they report
i have a HSBC that i opened in Jan 07, it has scored me some points as long as i keep the % usage down or pay it off each month
if you don't have a BK and have a decent Experian score, go with the Amex
if you're unsure, go with one of the other 2,..they won't count as an inq which is a +
BK 7 Filed: 08/07/15
BK 7 Discharged: 11/04/15
Discharge Scores: Equifax (572) - TransUnion (586) - Experian (511)
Goal: 700+
Credit Cards: NFCU nRewards ($500) - CapOne Platinum ($300) - CapOne QuicksilverOne Rewards ($300) - Victoria's Secret ($250) - Firestone ($1200)
Auto Loan: NFCU ($34.6K @ 7.7%)