CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* Discover It $3,500 limit, 6/2023
* Citi Custom Cash $4,700 limit, 7/2025
* FICO scores with source: Equifax 755, TransUnion 747
* Oldest credit card account age: 5 years (student loans)
* Cards approved in the past 6 months: 0 (applied for 0)
* Cards approved in the past 12 months: 1 (applied for 1)
* Cards approved in the past 24 months: 1 (same as 12 month)
* Annual income $: Gross $67,000
CATEGORIES
* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: Yes
* Estimate average monthly spend in the categories below.
* Dining $: 250
* Groceries $: 400 (Piggly Wiggly maybe Costco eventually)
* Gas $: 200-250
* Travel $: 200 (will go up for work and personal) (flights, hotels, rental cars) (trying to avoid travel portals for work purchases but fine using them for personal travel)
* Using abroad?: No ppans for use out of the states yet
* Other categories or stores: Internet, streaming services, gym, large "other" category
* Other spend:
* Pay rent by card? No
MEMBERSHIPS & SUBSCRIPTIONS
PURPOSE
* Purpose of next card: Other
* Cards being considered: Venture X, Savor One, Amex Blue Cash, Amex Gold, Citi Double Cash
ADDITIONAL INFO
I'm looking to create an optimized credit card lineup to maximize any % back on almost all my purchases. Since my Discover It is my longest card I plan on using it for any recurring subscriptions to keep a balance on it and using it whenever the revolving 5% for categories. Citi Custom cash will be used on whatever high spending category is not covered by the lineup or for any large purchase in a category.
Thank you in advance to anyone with helpful ideas.
I want to create an optimized credit card lineup
byu/Mysterious_Resort_14 inCreditCards
Posted by Mysterious_Resort_14
1 Comment
Your spending pattern looks pretty solid for optimization. With that dining spend the Savor One would be perfect since it’s 3% on dining with no AF, and you could use the Custom Cash for groceries at 5% up to the cap
For gas I’d maybe look at the Amex Blue Cash Preferred instead of regular Blue Cash – the 3% gas is better than most options and the grocery bonus stacks well if you end up going to Costco route. The annual fee pays for itself pretty quick with your spend levels