- Centurion Member
- Posts: 4042
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
Did you ever have a car or student loan? Were you ever an AU on someone else's card?
Getting approved for a Discover with no previous credit history at all, if that's the case, is unusual. But it's good you have it.
I'd go with the Chase Freedom Visa. It's usually at least as easy to get as a Discover, and you're going to want a Visa or MasterCard to use in places that don't take Discover. It's also a card you'll probably find useful for a very long time - either for it's plain 5% cash back categories or as the first step in Chase's complicated - but potentially very lucrative - travel rewards program. You could probably get it now - you might just get a $500 or $600 starter limit, though.
Double Cash from Citi is a simple, widely accepted MasterCard, and probably a close second for someone fairly new to credit. I'm not sure just how hard it is to get. The reason I don't have one is that I try to get more than 2% in rewards on my spending, so a plain 2% doesn't really interest me. Also, Citi gets a lot of customer complaints relative to Chase, Amex, or Discover.
Getting in with Amex is good, but it's not as widely accepted. I'd make getting a Visa or MC the priority, and get an Amex maybe when you have 6-8 months of credit history.
Sallie Mae is a Barclaycard MC. It's arguably the best year-round card (no rotating categories) for gas/groceries/books/Amazon.com purchases for people who don't spend a ton of money. You probably need more history to qualify.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech