I’ve had a very boring cashback credit card for years. I’m looking to get one to focus my points on travel (preferably airline points/rewards but open to other suggestions).
CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* USAA visa rewards – $30,000 limit / opened 2007
* FICO scores with source: Experian 820 fico 8
* Oldest credit card account age: 19 years
* Cards approved in the past 6 months: 0
* Cards approved in the past 12 months: 0
* Cards approved in the past 24 months: 0
* Annual income $: 180,000
CATEGORIES
* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: Yes
* Estimate average monthly spend in the categories below.
* Dining $: 800
* Groceries $: 400
* Gas $: 260
* Travel $: 160
* Using abroad?: No
* Other categories or stores:
* Other spend: No
* Pay rent by card? No
MEMBERSHIPS & SUBSCRIPTIONS
* Costco or Sam's Club member: Costco
* Big bank customer: No
PURPOSE
* Purpose of next card: Travel Rewards
* Travel rewards preferences: No specifics
* Cards being considered: No
Credit Card Rec for Travel Rewards
byu/garlic_or_bust inCreditCards
Posted by garlic_or_bust
2 Comments
Which airlines do you fly with? Which hotels do you stay at? More domestic or international travel? Which airline dominates your nearest airport?
If you fly Delta, an Amex Plat might be worthwhile. If you fly United, CSR. But simply, I think cash back cards are great. Can’t go wrong with just having the Costco Citi card. Great points in the form of cash back. Travel 3x pts and no foreign transaction fees. PLUS 5x pts on Costco gas and 2x pts Costco store+online.