Hey Brian, don't get discouraged. It sounds like you're in a great place in life, being that you have a county job that sounds stable, low expenses and little debt. I'm surprised that Discover denied you again 2 months ago. Did you want that card because of the 5%? Because there is a similar one from Chase that probably has less strict requirements, the Chase Freedom card
I'm not so sure about the Blue Cash because you need to spend a lot to get the full rewards with it. From what I gather its requirements for approval are similar to Discover, meaning it might be hard to qualify for even if the rewards program fit your spending.
On the laptop loan 24 months at $80 is $1920. What's the APR on that?
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.
Current Cards: American Express:
Blue Cash, Simply Cash Bank of America:
WorldPoints Platinum Plus Chase:
Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi:
Thank You Premier, Dividend Platinum Select Discover:
MorePrimary Everyday Card: American Express Blue CashPrimary Travel Card: Chase Sapphire Preferred