App for pre-approved card or wait?

I have a C1 platinum 800 limit since april and a C1 Quicksilver - the one with the annual fee - $500 limit that I just got in the beginning of July.  I know I should have at least 3 revolving credit lines.  I would like to get the third one established sooner rather than later and then start to garden and age off the multiple inquiries I have while working on some other areas of my rebuild. I want as much time as possible to recover from the hit I assume my score will take when I apply and to age the account before we start searching for mortgages hopefully next spring/summer. I check for pre-approvals all the time because I'm a bit obsessed and I finally got one for the Discover it card.  No other credit cards give me pre-approvals yet.  Scores are 618, 638, 644. I honestly don't know if I want a discover card.  I don't know what I want.  The amount of information is all overwhelming and goes right over my head.  I need some kind of comparison chart designed for a 5 year old to understand.  (does that exist anywhere?) I'm trying to go about this rebuild the RIGHT way.  But I am driving myself crazy trying to figure out which is the RIGHT card.   Should I get it because I can (probably) or should I hold off until something better comes along - and how will I know what's better?  

Update, from this thread: http://ficoforums.myfico.com/t5/Credit-Cards/Discover-online-preapproval/td-p/3023272 "Does it say anywhere on the page.... "Congratulations, you are pre-approved for the following cards/products?"  If not, it is probably the standard offer page when there isn't a pre-approval." I just tried the link again and it gave me the "Here's The Card We Found For You" with a merlot colored Discover IT. 
I tried it again with the name Snoop Dogg and SSN 1234 and it gave me "Here's The Card We Found For You" with the silvery blue Discover IT card....

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