If it helps I would also like to build relationships with Chase.
• Current cards:
J.crew Mastercard (authorized user)
• FICO Score: 751 through transunion bureau only
• Oldest account age: 1 year and 7 months
• Chase 5/24 status: 1/24
• Income: e.g. $35-45,000
• Average monthly spend and categories:
• dining $300
• groceries: $150
• gas: $200
• travel: varies
• other: $100
• Open to Business Cards: e.g. No
• What's the purpose of your next card?
Building credit and Cashback
• Do you have any cards you've been looking at?
Chase Freedom Flex, Amex Blue Everyday, and Wells Fargo autograph.
• Are you OK with category spending or do you want a general spending card?
I would like a general spending card
As a 18yr old that’s going to Europe soon for the summer, what should I choose for a card?
byu/Edditeds inCreditCards
Posted by Edditeds
2 Comments
WF autograph would be good choice as its 3% for dining, travel, gas, transit, streaming and phone plans
If your groceries is walmart or costco, most card with groceries wont have those included. But if you shop Aldi, Trader joe, etc. you can also look at CapitalOne Savor
Chase Freedom Flex is good, if you plan on entering the Chase ecosystem, later expanding to CSP… It also has 3% on dining (your major spend) and 1% catch-all + 5% rotating which may have gas. But you will miss on guaranteed cashback on gas. So my final rec would be WF Autograph, unless you have any other biases.
Also, yeah no personal experience with Amex BCE.
Avoid cards with foreign transaction fees. The Chase Freedom Flex has a 3% foreign transaction fee and the AmEx Blue Cash Everyday has a 2.7% foreign transaction fee, so those should be off the table for travel outside the US.
The ideal choice of no AF no FTF card would typically be between the Wells Fargo Autograph, US Bank Altitude Connect, and Fidelity Rewards. But you actually have no revolving credit history of your own, the J. Crew card you’re an authorized user on will not count towards the 1 year minimum history that most of those aforementioned cards expect. So you may be stuck with looking into what’s available from a local credit union, or betting on a Capital One card not becoming a Discover network one before your travel plans are up