- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
You should apply for the Freedom (rewards) card if you intend to pay it off monthly, the Slate (no rewards) card if you don't. I have the Freedom and Sapphire but only use the Freedom since its rewards are better for someone who doesn't really travel. I don't fit the Sapphire income profile but I had no trouble getting one, probably because I have a long credit history and a history with Chase. Status-oriented cards like Sapphire are overrated, imo. If you're a world traveler, Amex platinum makes sense, but I'm not.
If I were you, I would concentrate on building a history with the KeyBank card you have now as long as it's not charging you fees and they're not jerking you around. Applying for a bunch of new cards will harm your credit score and make it more difficult to get where you want to be than if you stick to the Key Bank card for a year and use it responsibly.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).
*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.