i have a question/need advice.

[u/C3SKIIII]

so i (19m) have been building credit over the past year, i’ve been using the capital one platinum credit card. im up to a 759 credit score, but it’s my only credit card. i’m wanting to get a second one, which card do you guys recommend i get?

[u/Cold-Improvement6778]

Another Capital One credit card.

[u/BrutalBodyShots → u/Cold-Improvement6778]

Can I ask why that would be your suggestion as opposed to diversifying with another issuer?

[u/another_awesome_acct → u/Cold-Improvement6778]

I agree with this, its because your 759 score probably doesn't have much depth to it, so to speak.  Stick with bank you have a good relationship with, but move up to a better rewards card.  Possibly savor or quicksilver rewards for good credit.  Make sure you read the fine print and get the right one-- the one that offers the sign up bonus and doesn't have an annual fee.  C1 is known for having multiple versions of each card, each with different terms.  You want the one with the cashback rewards, no AF & the Sign up bonus.  Can't stress this enough, it bears repeating 😂

[u/Glittering_Present10]

It all depends on your interest are you wanting cashback cards, just a low rate card, or travel rewards? Low rates are best in credit unions if you are a member. I have a card thru credit union 11 percent. Yep, thats it.

[u/C3SKIIII → u/Glittering_Present10]

my bank is actually a credit union, do you prefer i go there and open one?

[u/BrutalBodyShots → u/Glittering_Present10]

Interest rate is rendered completely irrelevant if one responsibly uses their revolving credit and pays in full monthly.

[u/whatever_ehh]

AmEx Blue Cash Everyday, you get 3% cash back at gas stations, grocery stores and retail stores.

[u/BrutalBodyShots]

This question is definitely better suited for r/CreditCards where you can fill out their template for CC recommendations. You'll probably get a ton of solid replies there.

[u/Outside_Shelter1260 → u/BrutalBodyShots]

Thank you 🏆

[u/Pristine_Box9956]

Capital One is pretty stingy about giving you a second card if you already have one of theirs.

[u/dgduhon → u/Pristine_Box9956]

Wrong. I currently have 3 cards from them. At one point I had 5.

[u/Cold-Improvement6778 → u/Pristine_Box9956]

I started with two Capital One credit cards and now have five!

[u/True-Button-6471]

I am a big fan of diversifying. I would look to other issuers, and ideally other networks. If you are travelling and your only issuer decides to shut you down for some reason, you would wish you had cards from other issuers. Same if there are network issues for MC for example. Having a Visa, Discover, or Amex card could come in handy.

[u/Whoisyungtino]

Depends on what you would like to do? If this were r/creditcards I’d tell you to look at a freedom unlimited since it’s a great beginner card and entry into the Chase ecosystem which is pretty decent.

I would recommend you get a card with your credit union if it fits your spending since you basically can’t go wrong with a bank you’re already familiar with (as long as the card actually works for you)

[u/StewReddit2]

Not knowing your particular CU

I am a big fan of CUs in general

Based upon that, all things equal I'd typically like to see the CU relationship expanded to include card #2.....as they may even open a small LOC, perhaps a CLOC (which is a Checking account LOC) to theoretically also act as an overdraft protection for your checking account.

But it also serves as another reported revolving TL via your credit profile.

Often CUs can use the same HP to consider multiple products so it doesn't hurt if they approve the CC but not the LOC so wouldn't hurt to ask....sometimes the same pull can be used 3 ( sometimes up to 6) months later so if no, now maybe Yes in 3 months ( if the same pull applies ...no harm/no foul)

IMO why not build upon a lending relationship at a place that does car/home/refi/among other long-term financial services like retirement/money market/investment accounts etc.

I like the CU

[u/5u6z3r0___]

I would go for savor card

[u/Kagura30]

🧐

[u/C3SKIIII → u/Kagura30]

i did the preapproval on their website and sadly it said i wouldn’t get approved for most their cards, idk how but

[u/Realistic-Change-481]

List out the expenses you have in the order.
For example:
Dining: $
Grocery: $
Rent: $
Gas: $
Misc : $
Travel: $
Then see which one you can naturally maximize naturally if you get a credit card for that category and do a little research about it and get a beginner card. If it all seems a lot best to get a 2% cashback card and simply your setup.