u/Drivenmammal

• Current cards: 
  • Discover it $1,000 limit, June 2025
• FICO Score: 771
• Oldest account age: 12 months
• Chase 5/24 status: 1/24
• Income: 15-20k
• Average monthly spend and categories:
  • dining $300
  • groceries: $200
  • gas: $50
  • travel: $300
  • other: $100
• Open to Business Cards: No
• What's the purpose of your next card?
  • Travel, point accumulation, building credit
• Do you have any cards you've been looking at? 
  • AMEX Gold, AMEX Delta Skymiles Gold, Venture X, Sapphire Preferred
• Are you OK with category spending or do you want a general spending card?
  • Category spending is fine

A little background information: 

First of all, I know I do not make enough money to typically be able to afford a card with a $300+ AF, BUT

I am a 19 yo college student and I fly typically about 12 times a year though often more between flying to school and traveling to various locations. I also book hotels but in no consistent pattern. Over time that is a lot of points and it feels like a disservice to myself to not take advantage. I don’t necessarily care about the airline, but delta is definitely a preference as I usually fly out of Boston and do not want to pay for a carry on, or $50+ for a singular checked bag, not to mention multiple. (Pushing me slightly towards amex)

Additionally, I do not pay for my own college, so that financial pressure is off, and I am sure I could work out a deal with my parents to help me reach the SUB by putting a portion of my tuition on my card.

Another factor is that being a college student, I am 100% sure I could use all of my amex credits, and I know I could use the venture x travel credit too.

Sorry for the question as I know this gets asked a lot. I also do not care about the reputation or allure of any of these cards (cough cough amex) and am definitely open to other suggestions