CREDIT PROFILE

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

    * Redstone FCU

    * TD Double Up

    * Bank of America Customized Cash

    * Discover It

    * Capital One Savor

    * Chase Amazon

    * Chase Freedom Flex

    * FICO scores with source: 797 Transunion

    * Oldest credit card account age: 10 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 $: 100000

    CATEGORIES

    * Ok with category-specific cards?: Yes

    * Ok with rotating category cards?: Yes

    * Estimate average monthly spend in the categories below.

    * Dining $: 500

    * Groceries $: 1000

    * Gas $: 300

    * Travel $: 500 (flights and hotels averaged out)

    * Using abroad?: No

    * Other categories or stores: Grocery, Gas, Dining, Entertainment, Auto Insurance, Phone Plan

    * Other spend:

    * Pay rent by card? No

    MEMBERSHIPS & SUBSCRIPTIONS

    * Amazon Prime member: Yes

    * Costco or Sam's Club member: Costco

    * Disney bundle subscriber: Yes

    * Big bank customer: Bank of America

    PURPOSE

    * Purpose of next card: Cashback

    * Cards being considered:

    ADDITIONAL INFO

    With the Redstone FCU getting nerfed, I’m looking to pivot. I was using it as a convenient catch-all card but now I could probably get substantially more by going back to juggling many cards at once.

    Whether I can use cards in my current lineup or if you have outside recommendations, I’d appreciate any ideas. It seems Redstone will still allow ond monthly spend category at 5%. I do typically use the Discover and Freedom Flex cards for their rotating categories.

    I think grocery is something I should prioritize as I used to dine out a lot more. I’d like to keep it as simple as possible but I’m open to anything.

    Thanks in advance!

    With Redstone nerf, looking to change my lineup
    byu/AmiiboAvenger inCreditCards



    Posted by AmiiboAvenger

    1 Comment

    1. PayPal debit seems like a no brainer. You do have to set your category on the 1st of every month but the slight inconvenience is worth it. 5% on grocery and Costco, up to $1000 a month.

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