I'm still using my student credit card almost 2 years post graduation from college. It has no perks, and I want one that gives cash back. What do cards such as this require in terms of credit history and score to approve you?

My bank rejected me for such a card in Nov. for an "insuficient number of credit references". I have had my student card for 6 or 7 yrs, pay the full balance every month, and have never had a late payment. I bought a new car in august, and have been paying more than the minimum due each month, on time, every month. My credit score is 731 (one place has me at 803!)

That was in November. Since then, I decided to buy my first home, found one, and am closing on the 15th. With all this going on, should I wait to attempt to apply for a card again until I've been paying my mortgage for a while? Will my mortgage give me enough credit at last? Any advice is helpful - I need to know how to get "sufficient" credit so I can be approved for a better card.