jessicwl wrote:Trying to find the best credit card. Credit score is average around 674. Just got denied for Chase Sapphire without realizing it's a card for really good credit and not a card for first-timers or people who haven't built up their credit.
What would be a decent credit card (preferably with some sort of rewards), ideal for groceries, gas and dining out/travel, everyday use? Would like a credit limit of at least $3000. Trying to learn more about the credit card world. Thanks for any suggestions!
"Average" credit isn't a relative term. Your score is a factor based on risk, but lenders look deeper than that to determine whether or not they'll approve you, your starting credit line, and your interest rate.
You could have a 674 credit score, but a chapter 11 bankruptcy from two years ago in-which many lenders may deny you for their top of the line cards with that on your record. I know American Express wouldn't look kindly to something like that on anyone's report, regardless of score.
What I'm saying is you have to give us more information on your credit report.
If you want a card for groceries + gas then Bank of America has their cash rewards card which nets 2% cash back on up to $2,500 in spend per quarter. If you want dining and gas then the DiscoverIt Chrome will give you 2% back on up to $1,000 in spend every quarter. You'll have a better shot at getting approved for the Discover Card.
You're not going to get a travel card with an average credit rating no matter how long you've had a card for. Travel revolving cards are for those with good to excellent credit.