Hey guys, I've been lurking here for a bit and could really use some advice on my next card. I’m 26, based in the US, and finally making enough to start planning some actual vacations instead of just road-tripping to my parents' house.
My current setup is pretty basic:
Discover It (My first card, 4 years old, $5k limit)
Chase Freedom Unlimited (Got it 1 year ago, $8k limit)
My FICO score is hovering around 740 right now.
My biggest monthly spends are groceries (around $400) and dining out/drinks ($300). I also pay $1,500 in rent if that matters (I've looked at the Bilt card, but I'm more focused on travel rewards right now). My main goal is saving up points for 1-2 domestic flights a year, and hopefully a bigger international trip next summer.
Here's where I'm torn: Since I'm well under the 5/24 rule, should I just grab the Chase Sapphire Preferred to pair with my CFU and start building out the Chase trifecta? Or honestly, is it better to just jump straight into the Capital One ecosystem and try for the Venture X since the credits basically pay for the annual fee?
I'm definitely open to other suggestions too if I'm looking at this all wrong. Let me know what you guys think I should do next. Thanks in advance!
Stuck on my next move: Do I finish a Chase setup or pivot to Capital One for travel? (Score ~740)
byu/gardenluna inCreditCards
Posted by gardenluna
1 Comment
Chase ecosystem makes more sense with your spending pattern tbh. You already got the CFU so might as well complete it with CSP and maybe grab Freedom Flex later for rotating categories
The grocery spend alone would work nice with Flex quarters and you can transfer those points to CSP for better redemptions. Venture X is solid but starting from scratch when you’re already in Chase system seems like extra work 🤷♂️
Just make sure you can hit the SUB spending requirement first tho