CREDIT PROFILE
- Current credit cards you are the primary account holder of:
- Discover It Student Cash Back, $1,500, August 10th 2025
- FICO Scores with source:
- Experian 750
- Oldest credit card account age with me as primary name on the account:
- 7.5 months
- Number of personal credit cards approved for in the past 24 months:
- 1
- Annual income:
- $16,000
CATEGORIES
- OK with category-specific cards?:
- Yes
- OK with rotating category cards?:
- Yes
- Average monthly spend:
- Dining: $443
- Groceries: $0
- Gas: $300 at Costco
- Travel: $0
- Do you plan on using this card abroad for a significant length of time?: Yes (Few weeks abroad next month, and a month abroad at the end of the year)
- Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend: No
- Any other significant, regular credit card spend you didn't include above?: No
- Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: No
MEMBERSHIPS & SUBSCRIPTIONS
- Current member of Amazon Prime?:
- No
- Current Verizon postpaid customer?:
- No
- Current member of Costco or Sam's Club?
- Yes, Costco
- Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services?:
- No
- Current member of Chase, US Bank or any other big bank?:
- Yes, Bank of America
- Are you or your spouse active US military?:
- No
- Are you open to Business Cards?:
- No
PURPOSE
- What's the purpose of your next card (choose ONE: first credit card, balance transfer, saving money, travel rewards)?: Travel Rewards
- If you answered "travel rewards", do you have a preferred airline and/or hotel chain you regularly use?: No
- Do you have any cards you've been looking at?:
- Yes, American Express Blue Cash Everyday, Capital One Savor, Chase Freedom Flex, and Chase Freedom Unlimited
What would be my best second credit card (or gateway to credit card family) to optimize international and domestic travel, dining, and gas? Are there any better recommendations besides the cards I listed?
Second credit card after Discover It Student Cash Back?
byu/yellowgator8 inCreditCards
Posted by yellowgator8