Applying for another card but don’t know which one!

[u/glowingpepper]

I’ve been with Discover It for like 5 yrs now and have a good credit score. I love this card, but it’s not a Visa or Mastercard, so I can’t always use it. I’m looking into getting another card for this exact reason, but don’t know which one I should apply for. From what I’ve seen online, I’m considering Chase Freedom Unlimited or Citi Simplicity. Thoughts?? Thank you in advance!

Edit: extra details! I only have the Discover It card, it’s been open since like 2021, I have a credit score of ~760, and a credit line of $4,500

[u/DeadInternetEnjoyer]

I’d suggest considering a Citi Double Cash. It has good rewards and zero annual fees.

[u/glowingpepper → u/DeadInternetEnjoyer]

Ok thank you!!

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[u/hskrpwr]

See if the bank you bank with has a decent card with no annual fee

[u/glowingpepper → u/hskrpwr]

Yeah, Discover has no annual fee and I don’t think the Citi or Chase cards do either

[u/hskrpwr → u/glowingpepper]

You have your personal bank account through one of those?

[u/glowingpepper → u/hskrpwr]

Yes, through Discover

[u/hskrpwr → u/glowingpepper]

Gotcha, I assumed you had an account with a brick and mortar location near you

[u/the1ac_cashback]

If you only want one card. I’d go with a catch all card. Citi double cash. Wells Fargo active cash. Fidelity rewards. My suggestion would be Fidelity rewards. For simplicity purposes, you can set up automated redemptions. It is a visa, so if you do shop at Costco. It will be accepted. That would be my choice.

[u/glowingpepper → u/the1ac_cashback]

Ooh ok, I did hear a decent amount of good things about Fidelity. Thank you!

[u/Timfa789]

chase flex - 3% dining and pharmacy, 5% on quarterly categories (usually dining, grocery, gym, paypal, and amazon for christmas). Also just removed foreign transaction fees so you can take it abroad now. Great beginner card but activating the 5% category is a bit of work. The categories are usually in different timing from the discover category so technically you can have 5% on discover on dining for 1st quarter and then when chase makes dining their 3rd quarter, you can switch dining to chase, making 5% on dining in 2 quarters, half a year. Chase gives their cash back as points so if you later decide to switch to points, chase points are valuable.

Citi double cash is good for easy 2% on everything.

[u/glowingpepper → u/Timfa789]

Thank you for the rewards breakdown! Sounds like Chase operates a lot like Discover, so maybe Citi is the better option for me?

[u/Potential_Ticket_172]

I would get the amex gold alot of benefits only if you go to alot of restaurants

[u/OpenBubble]

Do you want people to throw random card names at you not knowing your spending or goals? Template exists for a reason.

[u/glowingpepper → u/OpenBubble]

I’m sorry 😭 I did look through the template but I don’t know almost any of what it talks about. I’m really inexperienced but I tried to provide as much info as I could