Suggest a card for me!

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elmoose
 
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Suggest a card for me!

Postby elmoose » Mon Aug 11, 2014 2:02 pm

Hello!

I'm looking for a new rewards card with a good sign up bonus. Preferably a card with the first year fee waived.

Currently I have :
CapOne Voyager
British Airways
Chase Sapphire Preferred

I recently canceled my Chase United and my Barclay Arrival. Is the Barclay Arrival Plus different? Can I get that?

Let me know what you think I should get next. My credit score is roughly 740.


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CarefulBuilder14
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Location: United States

Postby CarefulBuilder14 » Mon Aug 11, 2014 5:20 pm

elmoose wrote:My credit score is roughly 740.


Is that a FICO score? Or from Credit Karma or somewhere else?

If it's a FICO, you could look at Amex charge cards, which sometimes come with a nice fat bonus when you spend at least $1k or $2k in three months. If your score is a non-FICO, then I can't advise anything in particular without knowing how good a 740 is on that particular scale.
Love: IHG, Platinum, Sallie Mae, AA Plat, CSP
Like: Discover, ED, BCE, Hyatt, Arrival, Freedom
Might drop: BrooksBros, Prestige (Costco PC?)
Might add: Proper business card, CSR, Ritz, Delta Gold
Letting new accounts cool off since May
Really not sure what I'll add next or when

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onion
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Postby onion » Mon Aug 11, 2014 7:09 pm

Like CarefulBuilder said, we'd need to know your FICOs for at least one of the three bureaus before we can give any half decent advice.

The Arrival Plus is very different from the Arrival, but since you already have the CSP, I wouldn't get it since they're very similar cards and both have annual fees. If you're looking for rewards, you'll also have to tell us your main spend categories. If its for everyday stuff, the American Express Blue Cash Everyday and Bank Americard Cash Rewards cards are both good, offering 3% on groceries, 2% on gas, and 1% on everything else or 3% on gas, 2% on groceries, and 1% on everything else, respectively. The American Express is generally harder to get, but also has more perks.
FICO TU - 728 - 8/14
FICO EX - 716 - 7/14
FICO EQ - 740 - 7/14

Bank of America Cash Rewards - $2,400
Best Buy - $3,000
American Express Blue Cash Everyday - $8,000
American Express Everyday - $10,000
Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)
American Express Platinum - NPSL
Barclaycard Arrival+ - $3,000
Capital One Yamacard - $11,000

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otter
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Location: Grand Forks, ND

Postby otter » Mon Aug 11, 2014 8:53 pm

Can't go wrong with the Sallie Mae... 5% each on the first $250 you spend on both groceries and gas; so an easy $25 a month/$300 a year without breaking into a sweat. Also 5% on first $500 at bookstores a month if you are a college student or otherwise buy a lot from bookstores(I've heard Amazon counts, but don't know from personal experience). Unlike Amex cards, Sallie Mae treats Target and WalMart superstores as groceries, too.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

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onion
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Location: Jacksonville, FL

Postby onion » Mon Aug 11, 2014 10:19 pm

otter wrote:Can't go wrong with the Sallie Mae... 5% each on the first $250 you spend on both groceries and gas; so an easy $25 a month/$300 a year without breaking into a sweat. Also 5% on first $500 at bookstores a month if you are a college student or otherwise buy a lot from bookstores(I've heard Amazon counts, but don't know from personal experience). Unlike Amex cards, Sallie Mae treats Target and WalMart superstores as groceries, too.


That's actually $750 on bookstore purchases, and yes, Amazon does count as a bookstore. Also, if they do end up with an AmEx, Target does fall under the department store category and will get 2% back on the BCE card.
FICO TU - 728 - 8/14

FICO EX - 716 - 7/14

FICO EQ - 740 - 7/14



Bank of America Cash Rewards - $2,400

Best Buy - $3,000

American Express Blue Cash Everyday - $8,000

American Express Everyday - $10,000

Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)

American Express Platinum - NPSL

Barclaycard Arrival+ - $3,000

Capital One Yamacard - $11,000

popamode72
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Location: Atlanta, GA

Postby popamode72 » Mon Aug 11, 2014 10:22 pm

Speaking of that card, is it true that if you put student on the application that the card application would be instantly denied? I read someone on myFico mention that once but wanted to make sure if that was true or not.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

mdl28
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Location: TX

Postby mdl28 » Mon Aug 11, 2014 10:28 pm

Centurion Amex
MDL

Amex Gold Prem'r
Amex BCP
Amex Green
Barclays Ring Platinum MasterCard
Citi Diamond Pref'd
Chase Sapphire Pref'd Visa Signature
Chase Freedom MasterCard
Discover It
New York Life Visa Signature

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onion
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Location: Jacksonville, FL

Postby onion » Mon Aug 11, 2014 11:27 pm

popamode72 wrote:Speaking of that card, is it true that if you put student on the application that the card application would be instantly denied? I read someone on myFico mention that once but wanted to make sure if that was true or not.


I always put student and then state my income. I'm primarily a student after all... End result: Instantly approved for BCE, 7-10 message after applying for an Everyday on the same weekend, approved first thing Monday morning without having to call.
FICO TU - 728 - 8/14

FICO EX - 716 - 7/14

FICO EQ - 740 - 7/14



Bank of America Cash Rewards - $2,400

Best Buy - $3,000

American Express Blue Cash Everyday - $8,000

American Express Everyday - $10,000

Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)

American Express Platinum - NPSL

Barclaycard Arrival+ - $3,000

Capital One Yamacard - $11,000

popamode72
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Location: Atlanta, GA

Postby popamode72 » Mon Aug 11, 2014 11:40 pm

onion wrote:I always put student and then state my income. I'm primarily a student after all... End result: Instantly approved for BCE, 7-10 message after applying for an Everyday on the same weekend, approved first thing Monday morning without having to call.


I really wanted to know specifically if that would be a problem for the Sallie Mae card. The talk about it has gotten me interested in learning more about it. The 5% for gas and bookstores sounds like a really good deal.

I've put student on all the CC apps I've ever done and put my income down as well. Great job on getting those cards BTW.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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onion
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Location: Jacksonville, FL

Postby onion » Tue Aug 12, 2014 12:04 am

popamode72 wrote:I really wanted to know specifically if that would be a problem for the Sallie Mae card. The talk about it has gotten me interested in learning more about it. The 5% for gas and bookstores sounds like a really good deal.

I've put student on all the CC apps I've ever done and put my income down as well. Great job on getting those cards BTW.


Oops, thought you meant the BCE, sorry. I haven't heard anything about auto denials about the Sallie Mae card, but I haven't paid that much attention to it. The caps on the rewards just aren't worth it for me, honestly. I spend a bit over $500 a month on gas and food, but to make it simple, let's say $500. With my current cards, I'll get 3% on gas and 3% on food. Lets say I get the Sallie Mae card, $250 at 5% for gas and food, then the other $250 at 3%. That'll average out to 4%, giving me $240 in rewards annually. If I were to just stick with my AmEx and BoA cards for the 3%, I'd be getting $180 annually and the 10% bonus on top of that for having a BoA account. That'll get me to about $190-$200, depending on how much I drive or ride my motorcycle. I don't see an inquiry being worth $40 a year to me, especially after getting all these new cards. It also gets a bit more complicated because I use my AmEx Everyday and get 2.4x MR points per dollar spent on groceries when I use that card, which can be worth more than 3 cents on the dollar. The only other good part about that card is 5% on Amazon, but I don't care since my dad just runs most of that stuff through his business account for me.

Thanks! I was very surprised to have gotten accepted for them, let alone the generous limits they gave me.
FICO TU - 728 - 8/14

FICO EX - 716 - 7/14

FICO EQ - 740 - 7/14



Bank of America Cash Rewards - $2,400

Best Buy - $3,000

American Express Blue Cash Everyday - $8,000

American Express Everyday - $10,000

Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)

American Express Platinum - NPSL

Barclaycard Arrival+ - $3,000

Capital One Yamacard - $11,000



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