CREDIT PROFILE

    * Current credit cards you are the primary account holder of:

    * AMEX Gold 01/2026

    * Chase Sapphire Reserve 08/2025

    * Amazon Prime Visa $6,000 limit, 11/2022

    * USB Altitude Go $1,000 limit 04/2022

    * Chase Freedom Unlimited $7,000 limit 04/2022

    * Wells Fargo VISA Signature $1,800 limit, 04/2021

    * Idk if this counts but Citi GTC

    * FICO scores with source: Experian 782, Transunion 771, Equifax 771

    * Oldest credit card account age: 5 years

    * Cards approved in the past 6 months: 1 (Amex Gold) (2 if including GTC)

    * Cards approved in the past 12 months: 2 (Amex Gold and CSR) (3 if including GTC)

    * Cards approved in the past 24 months: 2 (Amex Gold and CSR) (3 if including GTC)

    * Annual income $: $38,184 but spending $0 on rent

    CATEGORIES

    * Ok with category-specific cards?: Yes

    * Ok with rotating category cards?: Yes

    * Estimate average monthly spend in the categories below.

    Honestly no idea, I was tracking a little while, but im still new to the military and adapting to new location, Gas is expensive so thats prob my top spender. I don't spend much on dining/groceries. I do like to stay in hotels when family comes to visit, since cant stay in dorms with me (doesn't necessarily have to be "nice," but I do like to splurge on a staycation sometimes)

    * Pay rent by card? No

    MEMBERSHIPS & SUBSCRIPTIONS

    * Amazon Prime member: Yes

    * Costco or Sam's Club member: Costco

    * Big bank customer: Chase, US bank, Wells Fargo, Amex. Use Penfed currently for car payments, and have a Navy Fed account

    * You or spouse active US military: Yes

    PURPOSE

    * Purpose of next card: Really just maximizing credit cards while im active duty and getting annual fees waived. I will be getting AMEX plat ASAP, but currently am receiving no SUB so just gonna wait on that. I figured in the mean time I should start working on another SUB or just getting a card to have that will have value to me from waived annual fee. Was looking at Ritz-Carlton cc, but I think you have to get upgraded to that? The BILT card also sounded interesting. Curious on what yall might think. Thank you!

    Active duty military looking for next credit card! (Besides AMEX Plat!)
    byu/zWafl inCreditCards



    Posted by zWafl

    3 Comments

    1. electronautix on

      The hotel cards that offer annual free night awards are all obvious choices. Hilton Aspire, Bonvoy Brilliant, World of Hyatt, IHG Premier, etc.

      Does Bank of America waive annual fees for active duty? Nobody ever talks about them for this, but if annual fees were waived for me I’d definitely grab a Premium Rewards Elite for being one of the last cards with true all-access Priority Pass including restaurants. And an Atmos Rewards Summit for 3x on dining, rent, and foreign transactions.

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