For which of these cards do I have the best approval odds

[Genbu]

Hey all, I am looking for a rewards card with a few basic qualities: Sign on bonus; 0% intro APR; 0% foreign transaction fee; widely accepted in Europe (Visa/Mastercard)

I am considering Wells Fargo Autograph Card, BoA Travel Rewards, or Capital One Quicksilver

Do I have a decent shot at any of these? I am also open to other suggestions that may fit my criteria. My current stats:

775 Equifax; 770 TransUnion; 782 Experian

~9% credit utilization at time of application (~$4000 balance on a 0% apr card. 52,000 credit limit total with five open credit cards)

0/3, 1/6, 4/12, 4/24 at time of application.

A few other relevant facts:

-I had a 5 year banking relationship with BoA until I closed my accounts when I switched to Alliant. I still have my cash back card with them of over five years. I don’t know if this will matter much at all

-I was denied when I applied for the Quicksilver in 2022 at the same time I applied for my Chase Freedom Flex (which I was approved for). I  probably made a mistake applying for the two simultaneously. I hear CapOne is pretty skeptical of anyone they may think is churning cards, so they may have identified me as someone who is not profitable.

[NoMoreE46]

---

@Genbu wrote:

Hey all, I am looking for a rewards card with a few basic qualities: Sign on bonus; 0% intro APR; 0% foreign transaction fee; widely accepted in Europe (Visa/Mastercard)

I am considering Wells Fargo Autograph Card, BoA Travel Rewards, or Capital One Quicksilver

Do I have a decent shot at any of these? I am also open to other suggestions that may fit my criteria. My current stats:

775 Equifax; 770 TransUnion; 782 Experian

~9% credit utilization at time of application (~$4000 balance on a 0% apr card. 52,000 credit limit total with five open credit cards)

0/3, 1/6, 4/12, 4/24 at time of application.

A few other relevant facts:

-I had a 5 year banking relationship with BoA until I closed my accounts when I switched to Alliant. I still have my cash back card with them of over five years. I don’t know if this will matter much at all

-I was denied when I applied for the Quicksilver in 2022 at the same time I applied for my Chase Freedom Flex (which I was approved for). I  probably made a mistake applying for the two simultaneously. I hear CapOne is pretty skeptical of anyone they may think is churning cards, so they may have identified me as someone who is not profitable.

---

Go for the WF Autograph. They typically use Experian.

[C6]

Wells Fargo (Autograph Card) pulled Transunion for me back in December. The card is a pretty good travel card. Quicksilver is not really a travel card. I'd apply for the Venture over Quicksilver. You may want to look at the Synovus Travel card where one can get up to 6.25% reward for travel.

[SouthJamaica]

---

@Genbu wrote:

Hey all, I am looking for a rewards card with a few basic qualities: Sign on bonus; 0% intro APR; 0% foreign transaction fee; widely accepted in Europe (Visa/Mastercard)

I am considering Wells Fargo Autograph Card, BoA Travel Rewards, or Capital One Quicksilver

Do I have a decent shot at any of these? I am also open to other suggestions that may fit my criteria. My current stats:

775 Equifax; 770 TransUnion; 782 Experian

~9% credit utilization at time of application (~$4000 balance on a 0% apr card. 52,000 credit limit total with five open credit cards)

0/3, 1/6, 4/12, 4/24 at time of application.

A few other relevant facts:

-I had a 5 year banking relationship with BoA until I closed my accounts when I switched to Alliant. I still have my cash back card with them of over five years. I don’t know if this will matter much at all

-I was denied when I applied for the Quicksilver in 2022 at the same time I applied for my Chase Freedom Flex (which I was approved for). I  probably made a mistake applying for the two simultaneously. I hear CapOne is pretty skeptical of anyone they may think is churning cards, so they may have identified me as someone who is not profitable.

---

I would say you have a decent shot at any of them.

[CYBERSAM]

You can also check out:
United GatewaySM Credit Card 
Quicksilver is not a travel card! But if you want to go with Cap1 then see VentureOne instead.

Read the terms and service for benefits that you get for each card in airport and luggage etc...

[Lurker22]

Ugh never mind - what I was gonna say was already said

[collics]

---

@NoMoreE46 wrote:

---

@Genbu wrote:

Hey all, I am looking for a rewards card with a few basic qualities: Sign on bonus; 0% intro APR; 0% foreign transaction fee; widely accepted in Europe (Visa/Mastercard)

I am considering Wells Fargo Autograph Card, BoA Travel Rewards, or Capital One Quicksilver

Do I have a decent shot at any of these? I am also open to other suggestions that may fit my criteria. My current stats:

775 Equifax; 770 TransUnion; 782 Experian

~9% credit utilization at time of application (~$4000 balance on a 0% apr card. 52,000 credit limit total with five open credit cards)

0/3, 1/6, 4/12, 4/24 at time of application.

A few other relevant facts:

-I had a 5 year banking relationship with BoA until I closed my accounts when I switched to Alliant. I still have my cash back card with them of over five years. I don’t know if this will matter much at all

-I was denied when I applied for the Quicksilver in 2022 at the same time I applied for my Chase Freedom Flex (which I was approved for). I  probably made a mistake applying for the two simultaneously. I hear CapOne is pretty skeptical of anyone they may think is churning cards, so they may have identified me as someone who is not profitable.

---

Go for the WF Autograph. They typically use Experian.

---

They pulled Equifax for me last year. 
Alabama 

[Anonymalous]

Wells Fargo can pull any of the three bureaus, and it varies by state. @credit_is_crack's list is the best resource:

https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-2/td-p/63797...

@Genbu, the Quicksilver should be the easiest of the three cards to get approved for. But Capital One typically pulls all 3 credit bureaus. Since your profile is pretty solid, your rejection probably means you applied for the Freedom Flex first (even if it was just a few seconds before), and thanks to the triple pull, Cap1 saw that fresh inquiry. Most lenders are leery of people who apply for multiple cards in quick succession.

[EAJuggalo]

---

@CYBERSAM wrote:

You can also check out:
United GatewaySM Credit Card 
Quicksilver is not a travel card! But if you want to go with Cap1 then see VentureOne instead.

Read the terms and service for benefits that you get for each card in airport and luggage etc...

---

Why would you recommend a captive carrier card?  Every one of the cards the OP listed were vendor agnostic.  This card could be less than useless depending on where the OP is travelling and where they are based.

OP, is there a reason you aren't considering either of the Chase Sapphire products?  Either would increase the utility of the Chase Freedom Flex you listed upthread.

[Genbu]

Thanks for the responses, everyone. The reason I am not considering some of the aforementioned cards is because one of my big desires is a card with a 0% apr intro period. Chase Sapphire Preferred looks great, but I will probably wait to get it at a time in which I don't need 0% APR.

In regards to the Quicksilver, I know it is not technically a travel card, but it meets all of the criteria I am looking for. However, I have a feeling I won't be approved for any CapOne cards as they've probably pegged me as a "churner" given the four cards I've opened in the past year. I hear that they are the most selective about those they consider likely to be profitable.