This might be a bit niche, but looking for places within walking distance of where i work to play some darts during lunch and what not, and la liga is the closest place.
Current setup:
Chase Freedom Unlimited
Chase Sapphire Preferred
Profile:
FICO: ~718
Income: ~$56k
Oldest account: 2 years 10 months
2 approvals in the past 6 months (accidentally
opened the atmos ascent and closed it) I was unaware of negative effects at the time.
Recently finished CSP SUB
Estimated monthly spend:
Dining: ~$600
Groceries: ~$400
Gas: ~$200
Travel: anywhere between $100-800 depending on family and year. I do plan to travel a bit more in the coming future as I am 23.
General lifestyle spend: $250
What I’m trying to figure out:
I originally thought I wanted to complete the Chase trifecta, but lately I’ve been reconsidering and looking at:
Robinhood Gold Card
Venture X
Amex Gold
Right now I’m leaning RH Gold because:
simple catch-all
easy 3% cashback
lower mental overhead
could always pivot later if it gets nerfed
(I also would try to fowngrade my cfu to the og freedom, if rh gold replaces catch-all.)
Part of me still likes Venture X because it seems to pair really well with CSP long term, especially for travel.
Amex Gold also interests me because my dining spend is pretty high, but I’m worried it makes CSP feel redundant.
Main questions:
Does RH Gold make sense as a “for now” card given my profile?
Would opening another card this soon be dumb with a ~718 and recent approvals?
If you were in my shoes, would you:
stay Chase-only
go RH Gold
wait and go Venture X later
or eventually transition toward Amex?
Trying to balance simplicity, long-term value, and not hurting my credit profile too much early on.