u/Gavinski37

CREDIT PROFILE

• Current credit cards you are the primary account holder of:
  • Capital One Savor $22,500 limit, 04/2024
  • Credit Union Card $3,500 Limit, 04/2022
• FICO scores with source: Experian 768, Transunion 790, Equifax 767
• Oldest credit card account age: 4 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 $: $150k

CATEGORIES

• Ok with category-specific cards?: Yes
• Ok with rotating category cards?: No
• Estimate average monthly spend in the categories below.
  • Dining $: 200
  • Groceries $: 300 Target, 100 other
  • Gas $: 0
  • Travel $: 0
  • Using abroad?: Yearly vacation maybe
  • Other categories or stores:
  • Other spend:
  • Pay rent by card? No, but I could

MEMBERSHIPS & SUBSCRIPTIONS

• Big bank customer: Schwab
• Open to business cards: Yes

PURPOSE

• Purpose of next card: Other
• Cards being considered: Chase Ink Business Preferred (Applied but not approved yet), Amex Business Platinum Card (150,000 after $20k), Amex Business Gold Card

ADDITIONAL INFO

Trying to get a new card with a sign on bonus because I spending more money than average in the next month with buying plane tickets and hotels for a European trip. I am self employed software developer making $100k with around $100 or less monthly expenses. I do pay quarterly tax estimates and I can pay those for a sign on bonus minimum spend, I think I can spend $20k in 3 months if I need to with taxes, trip, and potentially rent.

Would like global entry and lounge, but I know those can be expensive cards. Perks like paying for software subscriptions are also nice.

Business card would be nice to better separate out purchases, and I think they have better SUB?