I have several domestic travel plans booked this year, but I hope to do a max of one international trip per year in the future. I believe flights where be were I can maximize points since I can buy flights on my CC for my Fiancé, myself, and other family.
Being that my airport is an AA hub, it’s a must to have the option to transfer points to AA. I plan to move out of this state in the next 3-4 years, so I am unsure if buying into the AA Citi card would be good for the long term.
Other considerations:
– I’m pre-approved for these Chase cc’s; CSP, Freedom Flex, and Slate.
– I have Preferred Rewards Platinum Tier status with Bank of America (employee perk)
– I am drawn to having a CITI card for the perks it gives with TicketMaster, but it’s not a show stopper.
**CREDIT PROFILE**
* Current credit cards you are the primary account holder of:
* Player 1:
* Myself – Synchrony Ashley Homestore Credit Card: $4,000 Limit, 03/2023 (I used this card to buy furtnite once for the 0% APR and never used again or closed- oldest line of credit)
* Player 2:
* Fiance – Chase Freedom Unlimited
* FICO scores with source: Experian 737, TransUnion: 737
* Oldest credit card account age: 3 years 2 months
* 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 $: $111,000 USD
**CATEGORIES**
* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: Maybe (I don’t know much about this)
* Estimate average monthly spend in the categories below.
* Dining $: $400 – $500
* Groceries $: Walmart: $150, Publix: $150, Costco: $150 – $250
* Gas $: $30 (Gas Stations), $120 (Costco)
* Travel $: flights: $230, hotels: $100, Air BnB: $160, Car Rentals: $40
* Using abroad?: No
* Other categories or stores: phone: $200 monthly, Amazon: $100 monthly
* Other spend:
* Pay rent by card? No
**MEMBERSHIPS & SUBSCRIPTIONS**
* Amazon Prime member: Yes
* Costco or Sam's Club member: Costco
* Big bank customer: Chase, Bank of America
**PURPOSE**
* Purpose of next card: Travel Rewards
* Travel rewards preferences: Preference for American Airlines transfer points (I live in the Charlotte,NC AA Hub)
* Cards being considered: Capital One Venture X, Citi Strata Premier, Wells Fargo Autograph Journey
Suitable travel credit card for someone with my credit profile?
byu/hell_of_a_bad_time inCreditCards
Posted by hell_of_a_bad_time