u/IndescribableWaves

Hey all, I currently bank with wells fargo/sofi (might cancel WF and switch to something else or stay with sofi), and I'm looking to get into the travel card ecosystem considering I travel to europe 2/3 times a year. I was considering the capital one duo but since they're discover now that's really putting me off. For me I see two options: The citi trifecta, and the WF trifecta. considerations to make are since my file is relatively thin how hard would it be to break through into either ecosystem, or if im missing something and there's some hybrid combo that's better. I don't spend much on groceries at all because I travel a lot and my yearly income is between 40000 - 60000. am I missing anything?

Sorry in advance for my subpar writing skills

Hey all, I recently received a small inheritance of around $30k. My only credit card that I use for everything and just pay off is my chase freedom rise. I currently have two checking accounts, one with chase and one with wells fargo where most of my funds are stored in hopes of being accepted for one of their cards with a thin profile. my questions would be: Should i close my chase checking (because I don't use it), and should i switch my main bank from WF. I have no problem with neobanks or fintech companies as i've never had any issues with them other than sofi, but I want a modern bank (especially the app and user experience) to pay off my eventually growing card collection, and also for the inheritance. Preferably I would like only one bank account (i know some people will douche on that) but I simply can't handle and manage maybe 1 or two accounts as i'm very minimalist. Any suggestions? I've heard mixed but good words about wealthfront/betterment and Ally. (Remember I would prefer just one or two accounts that can do it all.

edit: I might actually stay with wells fargo because i've simply had nothing but stellar experiences with them, but Im still considering a switch,.

CREDIT PROFILE

* Current credit cards you are the primary account holder of:

* Chase Freedom Rise

* FICO scores with source: FICO: 720

* Oldest credit card account age: 6 months

* Cards approved in the past 6 months: 1

* Cards approved in the past 12 months: 1

* Cards approved in the past 24 months: 1

* Annual income $: 34000 - 80000

CATEGORIES

* Ok with category-specific cards?: Yes

* Ok with rotating category cards?: No

* Estimate average monthly spend in the categories below.

* Dining $: 550

* Groceries $: 200

* Gas $: 200

* Travel $: 185, main cost being flights, hotels, dining in that order

* Using abroad?: Extended travel to europe

* Other categories or stores: Ocassional amazon spend

* Other spend: 150$ monthly for subscriptions

* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Amazon Prime member: Yes

* Big bank customer: Chase & wells fargo checking but am looking for a new main bank account such as citi or c1 but am open to suggestions.

PURPOSE

* Purpose of next card: Travel Rewards/cashback

* Travel rewards preferences: No preferred airlines but willing to stay loyal if it makes sense to. hotels im indifferent.

* Cards being considered: I've been looking between the wells fargo trifecta, citi trifecta, and c1 duo.

Hey all, I'm 18 years old and I got my first credit card (the Chase Freedom Rise), and have just gotten my first Fico score of a 720. For context I travel internationally at least once a year if not more, am comfortable using multiple cards, and was looking between maybe the C1 Venture/Savor one or something like the Citi strata premier and the double cash card. Is there some timeline or prerequisites that I should achieve before starting? Are there any better options for me? My one problem with the Citi cards are they are mastercard and I travel mainly to europe. If anyone has any suggestions/advice that would be greatly appreciated. additional context: My main expenses are food, and entertainment/online purchases but other categories of spending are decent as well. A big question as well is for whatever combos you guys recommend, what's the timeline look like for applying for these cards? Should I just stick with Chase?