Hi everyone,

I have been shopping around and decided my next card will be the AMEX BCE. I spend a lot online and on gas so this is a no brainer. My question is if I should wait to apply. Here’s a quick snapshot:

FICO: 765 Oldest line: CO Quicksilver- 7 years Ulta Mastercard- 4 years CO SavorOne- 3 months (applied August 2023)

I really want to apply for BCE since I will be doing a lot of online Christmas shopping, but am worried about how it will affect my score. Should I wait 6 months since my last application was in August? This will also be my second card this year and I don’t want that to affect any future card applications.

Overall- is the cash back I’m going to get for all my online Christmas shopping now going to be worth the knock in my score.

Thanks all!