I was hoping for a little advice for my wife. She came to this country a few years ago and had absolutely no credit (good or bad). About 7 months ago she applied for a Chase United card and was turned down due to lack of credit history. I set up a secured visa through our local credit union that is tied to $4000. She has used the card and paid the entire balance each month. It has been about 6 1/2 months now and Credit Sesame is reporting her credit score at 790 (not sure why). Discover has now started sending her offers in the last few weeks. My question. Now that she has established enough credit that Discover is sending her applications, should she go ahead and try to get the Discover card or should she try for another card that actually gives her some points? If another card can you make suggestions and explain why that card might be best? She would like to get something that could be used for air travel. Her salary is currently at about 24k a year and she has no loans or debt. Thanks for any information or suggestion you can provide.