Discover will forgive you in a year or so. With citi, it'll be a really loooooooooooooooooooooong time if any of their debt was discharged.
I burned Discover and now have two cards with a total CL of $30k.
Citibank is not so forgiving it seems.
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If your BK is off your credit report then half the battle is won. What are your FICO scores? Pull them from here for $1
Have you husband add you as an authorized user to his cards. That will boost your score.
Capital One most likely give you an unsecured card. Discover will likely be secured but will unsecure fairly quicky. That is two places to start. Citi has a secured card that requires two years post discharge but there are no data points that suggest it will help getting back in with Citi. Start with the Cap1 and Discover Prequal preferable after you have been added as an AU to husbands cards.
There has been some recent flexibility when it comes to Citibank after being IIB.
I was approved for a Costco Visa with a $5500 limit 4.5 years post discharge in September, and read stories of some other folks here that were as well.