Credit Cards

From David's Wiki
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Credits Cards categorized by the issuing bank.

Getting Started

  1. Get the Discover It 5% card as your first card
    • Use a referral link for $50 credit
    • Mark your occupation as student to get the student card
    • Make sure you list an income that is >=$10,000.
    • If rejected, apply for the secured card or the Capital One Platinum.

Alliant Credit Union


American Express

Amex cards earn MR points. MR points can be redeemed for cash at 0.6 cents per point.

Bank of America

Capital One

Citi

Chase

Chase cards earn UR points.
UR points can be redeemed for statement credit at 1 UR point = 1 cent.
With the Sapphire Preferred or Reserve cards, they can be transferred or redeemed for travel for more value.

Caveats
  • 5/24 rule. If you've gotten 5 credit cards (from any issuer) within the past 24 months, you will get automatically rejected

Discover

Synchrony Bank

Synchrony Bank is one of the more lenient lenders. I have yet to get rejected for a credit card from them. They also give the highest credit limits among banks I've applied to.

Wells Fargo

Categories

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