Credit Cards

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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 your income is >=$10,000
    • If rejected, apply for the Capital One Platinum
  2. Get the Chase Freedom
    • Use a referral link
    • If rejected, get the Capital One Quicksilver or Capital One Savor One

American Express

Amex cards earn MR points. MR points can be redeemed for cash at 0.6 cents per point. Ideally, they should be transferred to airline or hotel partners (e.g. Avios).

Do not apply for Amex cards as your first card. They will typically reject you. They're better for late-game since they will give you a card even if you've already opened a lot of cards.

Bank of America

Capital One

Citi

Chase

Chase cards earn UR points. UR points can be redeemed for cash a 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 within the past 24 months, you will get automatically rejected

Discover

Synchrony Bank

Synchrony Bank is one of the more lenient lender. 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

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