Advice on acquiring a new card

I've been looking at a couple of cards, namely Capital One Quicksilver and Chase Freedom Unlimited, as I want to get a card that does some work for me, my credit union card doesn't offer much in the way of perks. Just want one as a daily use as I work my way up.

Background:

I recently just purchased a new car with a loan from my credit union at the end of Feburary. I have fair credit, 641, have four cards, one with a bank, two are with clothing store (much to my regret) and one is the Amazon prime store.

With the recent car purchase and the few open lines, is now a good time to apply for a card?

Posted Mar 29, 2020, 4:58 PM UTC

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random1111Knowledgeable•

What are the reasons holding the score at 641. Sometimes there are things that could relatively easily be done to bring your score to 670 to 680+. This would be worth exploring first.

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o_reallyOP•

According to Mint, its the age of my credit, its at 1.2 years and my total accounts is at 5. It makes it sound like getting another card would be idea?

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TeePreme•

640 is a bit low, I'd personally wait for it to get to 680 or so. As far as card recommendations the CFU is definitely the best choice. Hassle free 1.5% everything. Or you could look into Citi double cash 2% for everything but I believe you might need a higher credit score.

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