CREDIT PROFILE

    * Current credit cards you are the primary account holder of:

    * Apple Card ($7,000, ~Oct. 2023)

    * FICO scores with source: 775 (Experian)

    * Oldest credit card account age: 2.2 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 $: 76,000

    CATEGORIES

    * Ok with category-specific cards?: Yes

    * Ok with rotating category cards?: Not preferred but open to them

    * Estimate average monthly spend in the categories below.

    * Dining $: 300 (Fluctuates, this is a liberal estimate based on a few higher travel months but post move I expect dining and grocery spending to flip)

    * Groceries $: ~50 (currently live at home and only my own buy groceries periodically, typically from a local chain)

    * Gas $: 200

    * Travel $: 100 (east coast based so spent typically on spending money on tolls and/or public transit. I rely on family and friends for accommodations)

    * Using abroad?: No

    * Other categories or stores: I frequently spend money at Wawa for both gas and food.

    * Other spend: Doordash + dashpass, Spotify, Youtube premium.

    * Pay rent by card? No (unsure if this will change post move but I'd use my card if able)

    MEMBERSHIPS & SUBSCRIPTIONS

    * Costco or Sam's Club member: Costco

    * Big bank customer: PNC

    PURPOSE

    * Purpose of next card: Cashback

    * Cards being considered: Robinhood gold but mostly looking for suggestions.

    ADDITIONAL INFO

    I was not entirely in the market for another credit card but am open to getting another if the extra effort is worth the additional cash back. Im a recent college grad and will be moving out sometime in the next year. I figured now would be a good time to start considering other cards and I'm looking for suggestions I originally started looking because I saw something about the Robinhood card. My goal is cash back, I don't fly often and when I do travel it is typically by car or train. I originally went with the apple card as I was already a heavy apple pay user (still am and frequently don't have a physical card on me) and was a student so the ease of use was very appealing to help avoid fucking up my credit while not consistently working.

    Like I mentioned I do expect some budget stuff to change post move. I also leaned towards overestimating on most categories to give a more representative picture of what my budgeting will be like based on previous living expenses prior to moving back home. This mostly pertains to the groceries and dining budgets flipping, however dining may still stay high due to work and having better dining out options after I move. Realistically if its only a 1% difference between the categories its equal in my mind because I do not have a set budget for dining out and just end up pulling grocery budget or vice versa. Lastly high cash back on gas is probably my priority category as both my cars take 93 and while my commute is short I do drive for enjoyment and also for semi-frequent day trips / short trips to a few different areas in the northeast. As for other categories dining would be my second priority mostly to justify my terrible doordash habits.

    Looking for suggestions on potential next card
    byu/lolK_su inCreditCards



    Posted by lolK_su

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