I'm 24 with an 800 FICO and $80k income. I drive a lot — 20-30k miles for work (gas fully reimbursed) plus 5-10k personal. Work travel means lots of hotels and restaurants. I also take 1-4 personal vacations (remote work on these "vacations" lol) per year flying on cheapest airline. Current cards:

    • Discover It — $5,800 limit, 3 years 10 months old
    • Capital One Savor — $9,000 limit, 1 year 5 months old (3% on restaurants/groceries/entertainment — I use this heavily)
    • 5/3 regular card — $2,300 limit, 4 years 10 months old (flat 1.25% cash back, barely use)
    • 5/3 secured card — $300 limit, 4 years 10 months old ($42 annual fee, almost never use — planning to close or product change later)

    I'm looking to add one more card now, focused on reimbursed gas/hotels/ or a card for travel from work travel. Restaurants are already covered well by my Savor (3%) and Discover it (5% rotating sometimes), so dining isn't a priority on the new card.. I've been looking at:

    • Amex Blue Cash Everyday — 3% on gas (up to $6k/year), 3% U.S. supermarkets, 3% U.S. online retail
    • Bank of America Customized Cash Rewards — 6% in chosen category (gas) first year, then 3% (can switch to travel for hotels)
    • A card to rack up airline miles but not sure how that works since i dont fly for work.

    Not sure i want another category card since I already manage Discover's rotating rewards but open if it makes sense. At some point I'd like to close one of the weak 5/3 cards and replace it with the Fidelity Rewards Visa Signature (flat 2% that deposits into my Fidelity investment accounts, where I keep my investments). Any strong recommendations I'm missing for heavy gas + hotels? Wells Fargo Autograph or Citi Custom Cash worth considering? Appreciate the help — trying to be smart with age of accounts since I'm young. Thanks!

    24yo, 800 FICO, $80k income, heavy driver (25-40k miles/year) — best card to add for gas + hotels? (Current setup listed)
    byu/thewizkid35 inCreditCards



    Posted by thewizkid35

    1 Comment

    1. Take a peek at the WF Autograph since it gives you 3x on travel which includes hotels and flights along with the 3x on gas and dining.

      The nice thing with the card is you earn points that can be transferred to a few different partners, they can also be cashed out 1:1 if you choose to do so giving you some flexibility there.

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