I would like to get into to points instead of cash back because I plan to start traveling a more.
CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* Discover Student It $1,500 limit, 06/2025
* Chase Freedom Unlimited $800 limit, 03/2026
* FICO scores with source: Experian 710, Equifax 728, TransUnion 708
* Oldest credit card account age: 10 months
* Cards approved in the past 6 months: 1 cc in past 6 months
* Cards approved in the past 12 months: 2 cc in past 12
* Cards approved in the past 24 months: 2 cc in past 12
* Annual income $: 40,000
CATEGORIES
* Ok with category-specific cards?: No
* Ok with rotating category cards?: No
* Estimate average monthly spend in the categories below.
* Dining $: 300
* Groceries $: 100 (Walmart, staying off campus next year so will be higher)
* Gas $: 60
* Travel $: 60 (Lyft/Uber)
* Using abroad?: No
* Other categories or stores:
* Other spend:
* Pay rent by card? No
MEMBERSHIPS & SUBSCRIPTIONS
* Amazon Prime member: Yes
* Big bank customer: Capitol One and Navy Federal
PURPOSE
* Purpose of next card: Travel Rewards
* Travel rewards preferences: Delta
* Cards being considered: CSP
ADDITIONAL INFO
I am currently a first year college student living on campus, and in the fall I will be getting an apartment so my groceries and dining categories will go up. I also plan to take 4+ domestic flights starting next month and 1 international flight in December.
Posted by deadpool1018
1 Comment
Why pay annual fee as a student? Get 2% flat rate card. Citi Double Cash, Fidelity Visa, SDFCU Premium Cashback+, PNC Cash Unlimited, WF Active Cash are some such options. See link from auto-mod.
If you want travel specific card, Wells Fargo Autograph is a great no AF or FTF option.