Potential Catch All Card: Venture X, Fidelity, or Other?

Current cards: (list cards, limits, opening date)
- Discover It
  - $2,750 Limit
  - Opened 01/2020
  - Rarely used as I tend to forget rotating categories
- Chase Freedom Student
  - $5,800 Limit
  - Opened 08/2020
  - Current general spending card, want to stop using next year after $20 good student bonus ends as it is only 1% cash back.
- Best Buy Citi
  - $3,000 Limit
  - Opened 11/2020
  - Haven't used since opened, bought an iPad I needed for school with 0% interest offer at the time and never touched again
- Paypal Credit Line
  - $4,300 Limit
  - Opened 03/2022
  - Haven't used in years, opened for 0% interest bonus for an emergency situation at the time and didn't touch it after that one purchase
- Capital One Savor
  - $3,000 Limit
  - Opened 10/2025
  - Only used for dining out, Spotify, and groceries once I move out.
- Costco Anywhere Citi
  - $7,200 Limit
  - Opened 12/2025
  - Solely for gas and the occasional Costco purchase/Costco travel. I spend enough on gas annually that the 5% cashback will pay for my membership and I don't wish to get gas elsewhere.
FICO Score: 775
Oldest account age: 4 years 11 months
Chase 5/24 Status: 3/24
Income: $70,000
Average monthly spend and categories:
- Dining $250
- Groceries: $0
- Gas: $120
- Travel: $0
- Union Dues: $110
- Other: $1,000
- Currently saving as much of my money as possible for future house while living at home, I expect these will change once I move out and have to buy furniture, plan a wedding, etc… not sure if these changes what card I should consider.
Open to Business Cards: No
What's the purpose of your next card? 2% Cashback Catch All Card
Do you have any cards you've been looking at? Capital One Venture X or Fidelity
General Spending Card Preferred
Extra Info: I pay my cards off fully every single month. I have a Roth IRA with Fidelity. My long term partner already has the Venture X card as his daily driver. Planning to travel 1-3x per year for leisure. Looking for simplicity.
I plan to open this card about a year from now as I am looking to buy a house mid to late next year, so I am letting my credit inquiries rest. Just looking ahead to do some planning.

Potential Catch All Card: Venture X, Fidelity, or Other?
byu/Tuba_Plexus inCreditCards

Posted by Tuba_Plexus