Hi,
I’ve had my credit card since I was a teenager. At the time, it had a $500 limit. They’ve since revised that to $5000, but the card itself doesn’t offer much in the way of rewards / etc.
I’m looking to open a second card with a higher limit to decrease my utilization percentage / earn better rewards. I plan to keep the current card open as it’s the oldest account on my credit report.
Does anyone have any recommendations?
Thanks!
Second card recommendation?
byu/Legitimate_Page659 inCreditCards
Posted by Legitimate_Page659
2 Comments
What is your current card? You might be able to request a product change to make that older card more useful.
If you’re just starting out, the easy answer is to try to get a 2% cashback card like the Wells Fargo active cash, or similar. This sub has a good list here: [https://www.reddit.com/r/CreditCards/wiki/list_of_flat_cashback_cards_with_benefits/](https://www.reddit.com/r/CreditCards/wiki/list_of_flat_cashback_cards_with_benefits/)
Beyond that, you’ll need to tell us a bit more about your plans and spending habits. e.g. is most of your card spend going to gas, groceries, dining out, etc.
There’s a ton of good ones, but it depends on your spend (e.g. dining vs groceries?) and purpose (e.g. cash back vs travel points?). Some suggestions:
* Chase Freedom Unlimited: 5x hotels/flights, 3x dining/drugstores, 1.5x misc
* Chase Freedom Flex: 5x rotating categories, 5x hotels/flights, 3x dining/drugstores, 1x misc
* Savor: 5x hotels/flights, 3x dining/groceries/entertainment/streaming, 1x misc
* Autograph: 3x travel/gas/transit/dining/streaming, 1x misc
* Any of the 2x misc cards (e.g. Citi Double Cash, Wells Fargo Active Cash)