I am a 23Y M who recently graduated college with a 65k salary and 675 Fico score living in LA. I have one BOFA cash back credit card with 8.5k balance. I am planning on applying for the platinum but am considering everyone’s thoughts on what I should do. I already have an equinox membership so I can use the $300 credit there. For Lululemon I heard I can stack the $300 credit there on a gift card. For $200 uber cash, I occasionally uber around or can Uber Eats. The $400 resy credit I can use for dates or family meals. I am also interested in taking semi annual trips to get the $300 hotel credit and possible lounge access/airline credit. The main thing is my main expenses are food and clothes and am wondering if those credits are worth it to get the platinum card. I won’t be able to utilize the point multiplier as much so I was thinking about getting the gold as well.
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Should I get the plat or gold or both?
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Would I even be approved w a 675 ?
Posted by ts818ts