CREDIT PROFILE

Current credit cards you are the primary account holder of:

• Discover It, $13,200 limit, 07/2023
• Amazon Prime Visa, $8,800 limit, 11/2024

FICO scores with source: Experian 772, TransUnion 791, Equifax 786

• Oldest credit card account age: 3 years
• Cards approved in the past 6 months: 0
• Cards approved in the past 12 months: 0
• Cards approved in the past 24 months: 1

Annual income $: 120k

CATEGORIES

• Ok with category-specific cards?: Yes
• Ok with rotating category cards?: Yes
• Dining $: 400
• Groceries $: 200
• Gas $: 60
• Travel $: 120 (hotels, rideshare, public transit, parking... eventually I want to book flights directly on my CC)
• Using abroad?: no
• Other categories or stores: Internet bill, Amazon/Wholefoods, PayPal, Planet Fitness, Micro Center
• My overall combined spend is 800-1200/mo

MEMBERSHIPS & SUBSCRIPTIONS

• Amazon Prime member: Yes
• Costco or Sam's Club member: Costco (parents)
• Big bank customer: Chase

PURPOSE

• Purpose of next card: Travel Rewards, SUBs, Cashback
• Cards being considered: Chase Sapphire Preferred, Chase Freedom Unlimited, United, Capital One Savor, AMEX, Micro Center store card

ADDITIONAL INFO

Overall, looking for my first travel card. Also interested in general cards with good SUBs or cashback categories.

I'm very fortunate to live rent-free with my parents in a HCOL area. My main goals are to save up for a car in ~1yr (around $45k) and begin earning my own travel rewards. I plan to move out after 2-3 years, and so I am preparing to spend a lot more on bills, grocery, rent, etc. Otherwise, a huge chunk of my profits are saved/invested.