I have a 739 FICO credit score, which card should I get?

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Vandalized2
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I have a 739 FICO credit score, which card should I get?

Postby Vandalized2 » Sat Apr 13, 2013 1:18 am

My current credit cards are:

-Wells Fargo Platinum: 1,900 limit 15.15 APR
-US BANK CASH+: 6,000 limit 18.99 APR
-Sears Credit Card : 3,000 limit 17.24 APR

FICO: 739

What should be my next card when I make 30,000K/year and never even came close to paying interest?


selfmadetool
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Postby selfmadetool » Sat Apr 13, 2013 1:51 pm

In no particular order:

(1) review your finances, and determine which categories most of your spending falls under;

(2) determine your long-term needs for credit and relationships with issuers you would like to develop; and

(3) review your credit profile (aaoa, number of recent inquiries, balances (if any), etc.) and apply if you fall within an issuer's general acceptance guidelines.
Bank of America: BankAmericard Cash Rewards ($10k); Accelerated Cash Rewards ($12k)
Chase: Freedom ($2.6k); Amazon.com Rewards ($5k)
American Express: Blue Card Everyday ($14k)
Citibank: Forward ($7k); ThankYou ($10.5k)
Discover: More ($14.5k)
Barclaycard US: Barclaycard Ring ($9.4k)
GECRB: Banana Republic ($4.5k); Amazon.com Store Card ($10k)
Comenity: J. Crew ($3.6k)

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bisbicos
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Postby bisbicos » Sat Apr 13, 2013 4:16 pm

It depends what you picked for your cash+ 5% categories. I always tell everyone they should get a Discover card and a Chase Freedom Card to optimize the 5% cash back on rotating categories
Credit Cards
American Express: Fidelity Rewards (2% cash back) 9.5k
Zync NPSL
Discover: Discover More (5% rotating categories) 12k
Mastercard: Chase Freedom (5% rotating categories) 4.6k
Visa: Citi Forward (5x pts on restaurants) 15.7k
Citi Dividend (5% rotating categories) 5.6
Capital One Journey (1.25% cash back) 1.25k
BofA AAA (5% on gas) 2.5k
PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

Future Cards
US Bank Cash +
Chase Ink

MemberSince99
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Postby MemberSince99 » Sat Apr 13, 2013 6:52 pm

I agree with the Discover/Freedom post, but Discover are almost as big of tightwads as Cap One so don't be shocked if you get a 1k limit.

Vandalized2
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Postby Vandalized2 » Sat Apr 13, 2013 9:51 pm

What about the AMEX Blue Everyday Cash card?

selfmadetool
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Postby selfmadetool » Sun Apr 14, 2013 7:06 am

It's hard to recommend cards without knowing particulars such as your AAoA and spending habits. While it's a good idea to acquire an American Express card for backdating purposes, if you don't spend a lot on groceries, gas and/or at department stores, the card may not be useful for you. Otherwise, save for the blotches on the top of the BCE card, it's unique looking.
Bank of America: BankAmericard Cash Rewards ($10k); Accelerated Cash Rewards ($12k)
Chase: Freedom ($2.6k); Amazon.com Rewards ($5k)
American Express: Blue Card Everyday ($14k)
Citibank: Forward ($7k); ThankYou ($10.5k)
Discover: More ($14.5k)
Barclaycard US: Barclaycard Ring ($9.4k)
GECRB: Banana Republic ($4.5k); Amazon.com Store Card ($10k)
Comenity: J. Crew ($3.6k)



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