2.5-year credit history through CapitalOne (QuickSilverOne September 2023), $2,000 limit
690-730 score (depending on where I look, also depending on the period since I have low limits (College Student, just landed first internship in NYC finance)).
February 27th – Added CapitalOne Savor, $3,000 limit
March 6th – Added Wells Fargo Autograph, $2,000 limit
I want to add a flat 2% card (to replace QSOne, which I have an offer to upgrade to no AF). Should I focus on WF ActiveCash, or something like the Fidelity S. Visa (since Fidelity is my Broker)? Essentially, points transferability for travel vs. auto-investing and accountability.
Additionally, there will be one more card I want for my stack right now, specifically for general shopping (online, probably). Is there a better option than the Amex BCE?
Also, spreading out applications, does that matter for any of these cards?
Feel free to leave any general tips!
Flat Rate Cards & Merchandise/Shopping
byu/Sinn_Full inCreditCards
Posted by Sinn_Full
1 Comment
“Depending where I look” look only at FICO scores, vantagescore is the temu version of a credit score. Pay attention to what the factors affecting the score are (identify your weak points for improvement) and which credit bureau it’s based on. I like the Fidelity card for 2% back, and your relationship with them should improve chances of qualifying. WF has a sketchy history, but the WFACV has been okay, second choice, I guess.