Floydian wrote:Thank you guys for the replies. So the best course of action would be to get the Discover IT now and wait until April to get the Sallie Mae card? I was sort of leaning towards this route too. I agree that Amex wouldn't do much for me other than name.
Depending on your spend the Sallie Mae, or one of the Blue Cash or Everyday cards could be a good fit for your grocery and gas spend. You really just have to run the numbers on rewards and determine if you can leverage MR points or prefer cash back.
I'm still looking for a replacement for the cash+ for restaurants and have not found anything that really stands out IMO. There are a number of cards that offer 3% but that's not really much more than the 2x I'm getting with my CSP in the meantime.
I don't care for relying on rotators like the Freedom or the it for major spend categories but it's really up to you to determine if you want to go that route. If you have significant non-category spend then you might want to consider a 2%, 1%+1% or 1.5% card.
Floydian wrote:I'm not interested in cards with annual fees.
Always run the numbers for total cost/benefit. Don't just avoid AF's.
Floydian wrote:I agree that Amex wouldn't do much for me other than name.
Depends on when you were added as an AU and your MSD was established. If it's sufficiently long ago it may help with AAoA.
Floydian wrote:My father put me on as an authorized user on his two oldest accounts (Amex and Citi) so my average age of account is close to 10 years and oldest card history is 26 years. My credit history is solid so I should be approved for most cards.
Keep in mind that a number of scoring models and creditors disregard accounts where you're an AU.