Hey guys! First time poster long time lurker!

So this morning I woke up and checked my score and saw I finally broke 700. It's crazy that less than a year ago I was around 550!? So coincidentally in the mail today I received a promotion from Capitol One for a pre-approved card with a $2000 limit. Currently I have a secured credit card with Chime and a new car loan on my credit that's really helping it grow. After doing my research I saw that it's good to have a few accounts with low balances and to stay at about 30% utilization. So my question is should I go ahead with this card? Keep shopping around? Or stay on the path I'm on now for a while until I open another credit account?

UPDATE : So after reviewing the letter it is from Credit One and not Capitol One. In all honesty I most likely wouldn't have gone with the mailer offer only because I know how predatory they can be. I think it was more so the excitement of actually getting an offer in the mail because I never have before (not even while I was in college!?) I really appreciate all the responses, you guys have given me good information on what I should look into. Thanks!

I have really good credit, and I need to pay my contractors tomorrow, while I’m waiting for my HELOC to close, which should happen in a few days, or at least by next week. I can either wipe out my bank account and not have money for bills, or I’d rather get a credit card out and pay with that. I know I’ll get approved. I also don’t want to have an early payoff penalty. Recommendations?