- Centurion Member
- Posts: 4041
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
Chase Freedom is good. I can't guarantee you'll get approved, but you've got a fair chance. A few people (myself included) can get a low-limit one with no history. It's a card you might find useful for a very long time.
Amex ED might be good. I have the annual fee version and the rewards are great. You might want to consider the Blue Cash Everyday (BCE) as an alternative, though. MRs are great if you fly a lot and earn a lot of MR points. The tradeoff of the program is that you can't do much with the points if you don't fly often and/or only have a small number of them. You might be better off (for now, at least) avoiding jumping through the travel reward hoops and getting rewards in a simple form that everyone can use - cash!
How much spending would you be putting on the card each month?
Like you, Discover initially declined me due to having very little history.
I would try to get away from Capital One. They have (and generally deserve) a bad reputation for customer service. Discover, Amex, and Chase tend to have much better service. Keep the secured Capital One card open for now, though.
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