u/Main-Total-7777

CREDIT PROFILE

• Current credit cards you are the primary account holder of:
  • Bank of America Customized Cash Rewards Visa Signature, $5,200 limit, 11/2023
• FICO scores with source: Experian FICO Score 8: 770 (BofA My Credit, as of 09/10/2026)
• Oldest credit card account age: About 3 years
• Cards approved in the past 6 months: 0
• Cards approved in the past 12 months: 0
• Cards approved in the past 24 months: 0
• Annual income $: Approximately $25,000–$30,000 from variable work and stipends. I also receive about $3,000–$4,000 per year in irregular family gifts. I do not have a full-time post-graduation salary yet.

CATEGORIES

• Ok with category-specific cards?: Yes
• Ok with rotating category cards?: No
• Estimate average monthly spend in the categories below.
  • Dining $: 491, including a lot of DoorDash and takeout
  • Groceries $: 38
  • Gas $: 0. I don't buy gas; BofA classifies some small 7-Eleven purchases as fuel.
  • Travel $: About $336/month averaged over the last 12 months: about $105 flights, $9 hotels, $79 other charges recorded as travel, and $143 public transit, trains, and rideshare. It's irregular, and the transit/rideshare figure includes local transportation.
  • Using abroad?: No, I only use my credit card in the U.S.
  • Other categories or stores: Shopping and entertainment averages about $276/month, including Amazon/online shopping, electronics, clothing, and hobbies, but it varies. I also have recurring digital charges like ChatGPT, Spotify, iCloud, and LinkedIn.
  • Other spend: About $184/month, mainly home/utilities ($52), health/medical ($36), miscellaneous ($77), personal/family care ($9), and education/fees (about $5), including the small purchases BofA categorizes as fuel.
  • Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

• Amazon Prime member: Yes
• Big bank customer: Bank of America

PURPOSE

• Purpose of next card: Cashback
• Cards being considered: I'm very new to credit-card rewards and don't know if I need another card. I pay my statement balance in full and don't carry debt. My BofA card is currently set to online shopping, and I can change its choice category monthly. From my initial online research and using ChatGPT to learn the basics, I'm considering the Capital One Savor for dining while keeping BofA on online shopping, the Wells Fargo Autograph for transit and travel, and the Amex Gold if I'd use enough of its benefits to justify the annual fee. I prefer cash back, but I'm open to a fee if the benefits I'd actually use outweigh it. Travel is irregular. Would any of these meaningfully complement my current card, or should I just optimize the BofA category I already have?

Honestly, I'm a beginner and don't really know what I'm doing with credit cards. I got this card because I was told building credit was a good idea, and since then I've just used it for everyday purchases in the U.S. and paid it off. I'm not sure whether another card would actually help or whether I should use my current one differently. I'd like straightforward advice on how to improve my setup and earn more cash back without making it complicated. I'd consider a card with an annual fee if I'd genuinely use the benefits, but I'm unsure whether travel rewards make sense for me since my travel is irregular.