Hi All,
I am a 19 y/o college student, and I'd like advice on which credit card I should get next. I currently have a discover student card, but recently, I've found it hard to stay under the 10% recommended spending limit out of the $500 available credit (don't worry, I always pay off in full before every statement). I am nearing 6 months of having this card, so I would like to move forward asap so I can have more wiggle room with the available credit, and possibly more benefits.
Any tips are appreciated! <3
CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* Discover Student $500 limit, 11/2025
* FICO scores with source: Est. FICO- 683
* Oldest credit card account age: <6 months
* Cards approved in the past 6 months: 1
* Cards approved in the past 12 months: 1
* Cards approved in the past 24 months: 1
* Annual income $: Student
CATEGORIES
* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: Yes
* Estimate average monthly spend in the categories below.
* Dining $: 50
* Groceries $: 30
* Gas $: 50
* Travel $:
* Using abroad?: Extended travel (US)
* Other categories or stores: Retail/Fun Purchases
* Other spend:
* Pay rent by card? No
MEMBERSHIPS & SUBSCRIPTIONS
PURPOSE
* Purpose of next card: Building Credit
* Cards being considered: Generic Wells Fargo
What should be my next credit card?
byu/kraftykay_ inCreditCards
Posted by kraftykay_
4 Comments
[Credit Myth #14: “You shouldn’t use more than 30% of your credit limit(s).”](https://www.reddit.com/r/CRedit/s/WfShZbbOTq)
And anyways, I always recommend a 2% catch all as a second credit card. Look at the Wells Fargo Active Cash, Citi Double Cash, or Fidelity Rewards
you can spend as much as you want, the % utilization is only calculated once your statement is posted
that being said we’d need more details on your spend/lifestyle to recommend a card
I sometimes run my cards up close to the limit. I just pay them almost all the way down by the statement closing date. It reports about 2% and autopay takes care of the rest on the due date.
Now’s probably a good time to get a 2% catch-all.
Fidelity Rewards, Wells Fargo Active Cash, and Citi Double Cash are solid choices.
Chase freedom cards are good for your spend levels and have good cash welcome offers – often $150-$200 cash back after $500 spend after 3 months of card opening