I use one credit card for every single purchase and have spent approximately 16k on my card this past year alone, gaining only 1% cash back on some purchases. I will be spending an additional 6k in medical bills this upcoming year and was wondering what credit card I can max my benefits out on.
I am already pre approved for the PNC Cash Unlimited card, but Im not seeing any specials for it so I think I should go with something else. Im also wondering if I should open two additional credit cards instead of 1 to cash out on the first year benefits that most cards have.
Are there any good credit cards out right now that are worth opening?
CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* PNC Cash, 6,500 limit
* Oldest credit card account age: 3
I havent applied for any additional cards, but my bank called me and suggested I upgraded my card per my spending.
* Annual income $: 48,000
CATEGORIES
* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: Yes
I spend approximately 500 a month on dining and groceries, and a minimal amount on gas and travel as I hardly leave my area.
* Other categories or stores: Hospital bills and insurance
* Other spend: Gym membership, crunchyroll
* Pay rent by card? No
MEMBERSHIPS & SUBSCRIPTIONS
* Big bank customer: PNC
PURPOSE
* Purpose of next card: Cashback
* Cards being considered: PNC Cash Unlimited
Whats the best credit card strategy when I dont travel but use my credit card for everything?
byu/TinyPuddingPounder inCreditCards
Posted by TinyPuddingPounder