u/Early_Molasses_6864

CREDIT PROFILE

• Current credit cards you are the primary account holder of:
  • Discover Student Card; $3,000 Limit; 05/2025
  • Amex Blue Cash Everyday; $5,000 Limit; 09/2025
  • Chase Freedom Unlimited; $3,000 Limit; 01/2026
• FICO scores with source: Experian 730
• Oldest credit card account age: 11 months
• Cards approved in the past 6 months: 1
• Cards approved in the past 12 months: 3
• Cards approved in the past 24 months: 3
• Annual income $: $150k+ but most of that will go into paying off student loans for a few years.

CATEGORIES

• Ok with category-specific cards?: Yes
• Ok with rotating category cards?: Yes
• Estimate average monthly spend in the categories below.
  • Dining $: 250
  • Groceries $: 400 (Primarily Walmart+ delivery on east coast, might switch to something else after moving to west coast in 2 months)
  • Gas $: 0 for now but I do plan to get a car by the end of 2026
  • Travel $: ~$500 ($100 ubers, $100 public transport, $300 saving up for travel). I travel internationally once a year on Virgin Atlantic. I plan to take atleast 2 domestic vacations this year so I want to start building a domestic airline loyalty as well. I use some Marriott benefits through my dad's membership but I don't have anything similar of my own.
  • Using abroad?: Only for vacations, max duration being one week.
  • Other categories or stores: I shop for most my clothes online from various brand websites and Amazon. I can probably pay rent with credit card at my new place and home utilities also are a very big spend for me, any savings here would go a long way.
  • Other spend: Major expense is student loan. Can't pay with card though.
  • Pay rent by card? Yes, amount and fee: ~$2500, not sure about penalty

MEMBERSHIPS & SUBSCRIPTIONS

• Amazon Prime member: Yes
• Big bank customer: Chase Student account. Plan to shift my main account to SoFi soon.

PURPOSE

• Purpose of next card: Travel Rewards and Cashback
  • Travel rewards preferences: Nothing right now, open to exploring. Primary rental car CDW would also be a nice perk to have.
• Cards being considered: Chase Saphhire Preferred, Amex Gold