• Current cards: (list cards, limits, opening date)
      • BofA Unlimited Cash Rewards, $2,200 limit, Oct 2022
    • FICO Score: e.g. 740
    • Oldest account age: 3 years, 2 months
    • Chase 5/24 status: e.g 0/24
    • Income: Currently a student, work seasonally
    • Average monthly spend and categories:
      • dining $466
      • groceries: $97
      • gas: $181
      • travel: $183
      • Shopping and Enternainment: $648
      • Misc: $230
    • Open to Business Cards: e.g. No
    • What's the purpose of your next card? I am graduating soon and want to transition to a strong long-term credit profile. With my own salary, I plan to travel frequently, but I also want to maximize rewards on my spending in the shopping and dining categories. Also, my grocery spending will probably increase since I will no longer rely on my university dining options.
    • Do you have any cards you've been looking at? Capital One Savor Student, Chase Freedom Unlimited (From what I read, a card with a $0 AF is a good card to transition to for someone in my position)
    • Are you OK with category spending or do you want a general spending card? I have the BofA Unlimited Cash Reward, is that a good general spending card? It offers 1.5% cashback on all and I was reading I can get 2% elsewhere so I'm open to suggestions. I am okay with category spending.

    Please let me know what suggestions you all have on credit cards and how to move forward. I'm pretty new to this world of credit cards and the numbers I gathered above came directly from my Bank of America app.

    Help me pick my second credit card as a soon-to-be college grad
    byu/HopeItsAvailable inCreditCards



    Posted by HopeItsAvailable

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