u/Available-Shirt4547

Hi all,

I just graduated uni and will be starting out making 80k plus in low - medium cost of living area.

My current set up:

- Capital One Savor (1st card, still use for groceries)

- Capital One Quicksilver (no longer needed after getting rh gold)

- Chase Sapphire Pref (got SUB but want to travel more in the future)

- RH Gold (I am already in their ecosystem and figured 3% cash back is better than Quicksilver)

Travel is important to me and I would likely take 2 trips to Europe annually and a handful of domestic flights. Cant help but feel that I am in a few ecosystems and not optimizing any recs?

TLDR: I make 80k with a few different CC and am looking to optimize my system. Travel is somewhat important to me but I also don’t mind cash back.