Looking to upgrade from Capital One QuickSilver

CREDIT PROFILE

Current credit cards you are the primary account holder of:

• Capital One Platinum, $4,750.00, 01/2019
• Capital One QuickSilver, $13,000, 10/2021

FICO scores with source: Experian 739

Oldest credit card account age: 7 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: $78,000

CATEGORIES

Ok with category-specific cards?: Not ideally – looking for one card

Ok with rotating category cards?: No, see above

Estimate average monthly spend in the categories below (from 2025, total spending divided by 12)

• Dining: $350
• Groceries: $130 (Mariano's/Krogers, Costco, Meijer)
• Gas: $110
• Travel:
  • $120 (airfare)
  • $140 (Airbnb/hotels)
  • $50 (rental cars)
  • Using abroad?: No

Other categories or storesL Target ($80/mo)

Other spend: Gym ($200/mo), Spotify ($14/mo)

Pay rent by card? I'm able to but only found out while doing research for this. I have not previously

• Amount and fee: 1050 (my half) with a 2.75% fee

MEMBERSHIPS & SUBSCRIPTIONS

• Amazon Prime member: Yes
• Costco or Sam's Club member: Costco, but I do not pay for it. I could though
• Big bank customer: PNC

PURPOSE

Purpose of next card: Travel Rewards

• Travel rewards preferences: Live in a United, American, Southwest hub, but my favorite airline is Delta. If I lived at a Delta hub I'd get a Delta card.

Cards being considered: Chase Sapphire Preferred, United Explorer, Capital One Venture

ADDITIONAL INFO

I've had my Capital One QuickSilver for years now and I'm at a phase of life where I'm looking for a card with more robust rewards. I am able to travel much more (4+ times domestically and at least once internationally is my goal).

I would love to find ways to make travel cheaper, as well as get rewards for things like eating out and groceries. I do not care about rewards such as lounge access, but rather maximizing my spending. I use Airbnb over hotels but not exclusively.

I would like to not spend over $250 on an annual fee, at least for now – I still have a good amount of student loan/car debt that I need to balance with handling a credit card. Thanks for any suggestions!