Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Cards
Profile Image

Question By
scottyent

1 Contribution
0 People Helped
Applying for a card with spouse?
Hey all,

My wife and I are considering opening a new credit card account, but I had some questions about how best to approach this, and what recommendations the community may have. We are getting married in a little over a month, so we figured with the amount of spending we are about to do, we might as well benefit from it!

For that reason, we started looking for a great intro offer. The Chase Sapphire seems to be the best, but I'm not sure about the rewards after that. I already have a Quicksilver card with 1.5% cash back that I primarily use, I have a bank of america 3-2-1 card that gives 3% on gas, 2 % groceries, and 1% for everything else.

My wife has a Chase Freedom card and a Discover IT card for the rotating 5%.

I thought about the AMEX Blue Cash Preferred because of the 6% on groceries and the fact that Costco accepts it (though not for much longer). They have an OK intro offer of 150 back after spending 1000 dollars, and I have always thought about attempting to start a relationship with AMEX for the future.

Any advice on a particular card that would fit into our arsenal and provide an intro boost as well?

Also, as per the subject, I was wondering if we can apply together and if that would increase our odds. Her FICO score is like 750, but she has only 1.5 years of credit.

My FICO is probably closer to 680, possibly higher (with a few blemishes), but I have almost a 10 year history.

Not sure which one of us would be more likely to be approved for something like the AMEX Blue Cash Preferred or Chase Sapphire Preferred!

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
1132 Contributions
1209 People Helped

Why not just keep the cards you both own.... You can do what is called piggy backing...... Place her as an authorized user on your credit card(s) and let your soon to be wife do the same thing for yourself. You both will gain a great payment history as well as instant boost of credit worth.

Reply by
scottyent

1 Contribution
0 People Helped

Thanks for the response! We actually have done that, I am an authorized user on her Discover and Chase card, and she's just an authorized user on my Bank of America card. I would add her to my 10 year old capital one card, but that does not have a perfect payment history so I am afraid it would hurt her new and so far spotless credit record. 

I guess the only reason we were looking at a new one was to take advantage of some great intro offers, plus perhaps diversify rewards a little bit. The 6% on the Amex is really the only rewards that would "beat" our current offerings, and being accepted at Costco is a very nice plus (until it isn't next year). 

I have gotten an offer quite a few times for the Citi 2 percent card, which is slightly better than my 1.5%. Not a huge difference, but could add up over time. 

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.