I’m almost 2 years post grad, and looking for technically a third credit card, as one of mine is a very small card I use through my job, that I keep only to not close and because it has a really low interest rate comparatively. My primary goal is to start stacking rewards so the next card I go after can help with travel, and getting into airport lounges in Eastern US (primarily Southeastern) airports. Secondarily, I’d like a higher credit limit because I’m using the majority of my limit and then paying it off in full every two weeks when I get paid.
• Current cards:
• Discover it Card $2,000 limit, November 2024
• Private Bank Secured Credit Card $300 limit, November 2024
• Term loan being paid in full in November 2026 represents the only other debt
• FICO Score: 742
• Oldest account age: 1 year, 3 months
• Income: $50,000
• Average monthly spend and categories:
• dining $800
• groceries: $400
• rent & utilities: $840
• savings & entertainment: $800
• Open to Business Cards: No
• What's the purpose of your next card?
Travel Perks/Rewards – It seems unlikely to qualify for any airport lounges with this card, but the one after this one I’d like to be stacking rewards for travel as well as get into airport lounges. (Atlanta, Pensacola, Pittsburgh, Nashville are my main departures)
• Do you have any cards you've been looking at?: I’ve looked at the perks of the Amex platinum, and it’s a goal to get there eventually. I’ve also looked at the Capital 1 Venture but I think I’m probably a card away.
• Are you OK with category spending or do you want a general spending card?
I’d be comfortable continuing to use my Discover for general spending, and using this next card for specific category spending, but don’t have to, if there’s a better general rewards card I should target.
Looking for Second Credit Card
byu/OpenMortgage6493 inCreditCards
Posted by OpenMortgage6493