twr11 wrote:I'd like to be able to diversify rewards, and Amex seems ideal for a number of reasons (in particular I'm looking for something that has grocery rewards). I like the idea of a charge card rather than a credit card, given that I won't be carrying balances.
Instead of simply looking to diversify look at you major spend categories and look for cards that maximize rewards for your volume of spend in those categories. If you're going to consider Membership Rewards cards such as the PRG then make sure you can make use of the MR transfer partners to get the most value out of your MR points. Look at the redemption rates for the transfer partners and make sure that your spend is sufficient to earn rewards. If not, a cash back card may be better suited to you than a points/miles card.
twr11 wrote:Thanks in advance for any help - this is all very overwhelming and I'd just like to figure out whether I should apply for something else in the near term, or sit tight.
From what you've said it sounds like you need to build some positive history and then add one or two more cards.
twr11 wrote:and "a lot of recent credit pulls." A lot = 1 for the Chase and 1 from me trying to use annualcreditreport.com to access my own reports (didn't succeed, said I needed to submit paperwork to verify identity.
Viewing your own credit report doesn't require a hard pull.
A "lot" is relative. With a thin profile a "lot" is much lower than it would be for someone with a thicker profile.
Xorand wrote:I may be wrong, but I would think AmEx might have tighter requirements for cards on which you have to pay in full each month.
It's the other way around. Generally the charge cards are easier to qualify for than the revolvers. If the OP was denied for a charge card then the OP has some work to do.