tiger100 wrote:credit is 780 on myfico
You don't have just one score with myFICO. Give us FICO 8's for each of the 3 major CRA's.
tiger100 wrote:main thing is a new card that i can get a decent limit right off the back with.
First off, "decent" is subjective. Give us a number and don't just assume that everyone's notion of "decent" is the same.
Second, we can't tell you what limit you'd qualify for with any creditor/product. We are not underwriters and we do not know the details of the underwriting criteria for the various creditors and products out there. The score you posted and your limits look good so you'd likely get a fairly high limit with any creditor though, again, we can't guarantee that.
tiger100 wrote:of course im all about cash back and points as i funnel all my company purchases through my cards to reap the rewards.
Are you looking to stick with UR for points?
if you want recommendations on rewards then give us an idea of your spend categories and volumes. You want to make the most of where the majority of your spend is going. What do you specifically want from a new card? What's lacking with your current cards?
tiger100 wrote:this citi double cash...i basically get 1 to 1 on all purchases, then when i make the payment i get 1 to 1 on the payment as well?
Not sure what you mean by "1 to 1". It's 1% on spend and 1% on payments.
tiger100 wrote:but not sure if there is a better card out there for my particular position. thanks in advance for the help
You'd need to clarify what "better' means by giving us enough criteria to narrow down the options. It's not just about the cards themselves. It's about what suits you best. Do you have a lot of noncategory spend that would benefit from a card like the Double Cash?
How much value are you able to get per UR point? If you can't get 2 cents per point which would equal or better the Double Cash (depending on earn rate on the UR card) then why are you using UR? You may want to find a different rewards program where you can better leverage the redemption options for the given program so you can get better rewards value.