I'm just starting to get into the points game and actually use it smartly (or as much as I know) so I can travel more. I got the Capital One Venture because there was a good SUB and I knew it was a sure chance of me getting that card than the Venture X. I want to stay in Hyatt resorts/hotels but also open to other cards that are flight focused. I would also like lounge access for international flights, I'm not as concerned with domestic flights.

    CREDIT PROFILE

    • Current credit cards you are the primary account holder of:
      • Capital One Venture, $10,000 limit, 01/2026
      • Amex Everyday Preferred, $9,500 limit, 07/2020
      • Citi Simplicity, $5,000 limit, 09/2024
    • FICO scores with source: 759 (Experian, FICO 8), 691 (Citi, Equifax)
    • Oldest credit card account age: 6 years. I had a credit card in my name 12 years ago but closed that account 8 years ago.
    • Cards approved in the past 6 months: 1
    • Cards approved in the past 12 months: 1
    • Cards approved in the past 24 months: 2
    • Annual income $: $105,000

    CATEGORIES

    • Ok with category-specific cards?: Yes
    • Ok with rotating category cards?: No
    • Estimate average monthly spend in the categories below.
      • Dining/coffee $: 250
      • Groceries $: 250 (Trader Joes) 50 (Farmers market/local) 50 (Whole Foods/Aldi/local chain)
      • Gas $: 160
      • Travel $: 90 (flights) 25 (Lyft) 85 (Airbnb/Hotels)
      • Using abroad?: not extended use, just for trips
      • Other categories or stores: Internet, streaming subscriptions (~10), business subscriptions (photography related, ~4)
      • Other spend:
      • Pay rent by card? No

    MEMBERSHIPS & SUBSCRIPTIONS

    • Disney bundle subscriber: Yes
    • Open to business cards: Maybe, I don't do enough business that adds a considerable amount to my income but I do have a lot of expenses

    PURPOSE

    • Purpose of next card: Travel Rewards
      • Travel rewards preferences: Hyatt, open to any airline
    • Cards being considered: Chase Sapphire Preferred or Reserve, Amex Gold

    ADDITIONAL INFO

    I opened up a Citi card and a Discover It card for balance transfer. I closed the Discover card last year through a debt management program. I don't use the Citi card now but it's still open. I got into debt due to interest rate accrual from a very large charge but have managed to pay everything off and have consistently paid all balances off for several months. I was able to raise my credit score in the last few months. Since I'm applying for a new card, I want to either upgrade my AmEx or change it to a no-fee. No collections. No loans, all paid off.

    Looking for a new card and finally getting into the points game after paying off all my debt
    byu/shutterbug00 inCreditCards



    Posted by shutterbug00

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