Hey everyone! thought id post this to see if anyone had any good recommedations on what i should do credit card wise. Mainly looking for a good eco system to enter that would benefit my reward needs!
- Current cards: (list cards, limits, opening date)
- Venture X $20,000 Limit March 2024
- Robinhood Gold Card $10,000 November 2025 (Opened because i actually got off the wait list but had a very poor customer support experience so I'm done with them)
- FICO Score: 750-760
- Oldest account age: e.g. 2 years 2 months
- Income: e.g. $117,000
- Average monthly spend and categories:
- Rent $1940
- utilities $150ish
- dining $500
- groceries $1000
- gas: $100
- Misc. Subscriptions $100
- Other: $600-$700
- Open to Business Cards: Not against it
- What's the purpose of your next card?
- Purpose of next card would be to maximize my spendings for gaining travel points. I travel around 3-5 times a year but i would like to start traveling more in the future. I usually just use my venture x for everything because at the time of opening it i was fine just getting 2x on everything and using their travel portal, but now i would actually like to play it smart and actually utilize points.
- Do you have any cards you've been looking at?
- I have been looking at different eco systems to get into, if that's going with chase trifecta, going with AmEx, or just staying with CapitalOne one. Would like something that benefits my spend and can go from there. However i would like to utilize and stick with one if possible.
- Are you OK with category spending or do you want a general spending card?
- I'm okay with category spending but i don't want a stack of cards i need to carry around, would like to keep it max 3 cards that i can use.
Looking to upgrade my credit card life! Looking for some recs!
byu/AdTraditional1943 inCreditCards
Posted by AdTraditional1943
6 Comments
Since you’re already in with Capital One and have good spend on dining/groceries, might want to look at adding their Savor card to your Venture X setup. Gets you 4% on dining and groceries which would be way better than the 2x you’re getting now on that $1500/month spend
Chase ecosystem is solid too but you’d be starting from scratch there. With your income and score you could probably get the Sapphire Preferred easily and then add Freedom cards later for the category bonuses. The transfer partners are really good for travel redemptions
AmEx has great transfer partners too but their acceptance can be annoying sometimes, especially when traveling. Really depends on where you usually go
Have you looked into churning instead of putting all of your spend in one ecosystem?
I’d suggest checking what flights you want and seeing if they’re available on points (the major issue) and if it’s a good deal.
After that you can see if/how a credit card might help collect those points.
Generally I think cash back > points
That would be a flat rate card like your RH card, Citi Double Cash, Fidelity Visa, etc.
And as many category cards as you’d like
That way you can book any flight with zero restrictions.
I would just get the savor from capital one and use the venture x for non category spend. Unless you’re gonna churn for large bonuses. Can’t beat the simplicity of it.
I think a card to max your grocery spend would be ideal for you since you have a catch-all with travel perks covered. Capital One Savor would be ok to complete your duo there. Amex Gold even makes sense for your grocery/dining spend if you can use some of the credits alongside it. One other route you could go is getting the Citi Strata Premier while you still have few recent hard inquiries, that’d get you 3x on groceries and dining plus access to decent transfer partners.
I love the challenge of keeping it at 3! I accept your challenge 😎
If you keep Venture X, then I would look at Savor and Fidelity Visa as a catchall.
If you want to replace Venture X with new ecosystem, then your best fit based solely on your spend would be Amex Gold & Platinum duo with a catchall like BBP for MR points or Fidelity Visa.
How I do? Lol but honestly hard to truly help with out knowing your preferred transfer partners or redemptions habits.