Edit: I was pre approved for all of the capital one cards so I accepted the Venture X offer as I saw it is harder to get down the line if I were to get Savor first. Was approved for 10k. My plan is to then get the Savor Card in about 6 months.

    CREDIT PROFILE

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

    * Discover IT $1000 limit, 07/2020

    * FICO scores with source: 627

    * Oldest credit card account age: 6

    * Cards approved in the past 6 months: have not applied

    * Cards approved in the past 12 months: have not applied (did buy a new audi though which my credit was pulled for)

    * Cards approved in the past 24 months: have not applied

    * Annual income $: 83000

    CATEGORIES

    * Ok with category-specific cards?: Yes

    * Ok with rotating category cards?: Yes

    * Estimate average monthly spend in the categories below.

    * Dining $: 400

    * Groceries $: 300

    * Gas $: 250

    * Travel $: 0

    * Using abroad?: No

    * Other categories or stores: Amazon, Fashion Nova, Doordash

    * Other spend:

    * Pay rent by card? Yes, amount and fee: 1200

    MEMBERSHIPS & SUBSCRIPTIONS

    * Amazon Prime member: Yes

    PURPOSE

    * Purpose of next card: Travel Rewards

    * Travel rewards preferences: Hilton, any airline that is cheap

    * Cards being considered: Amex Gold, Capital One Venture, Bilt Obsidian

    ADDITIONAL INFO

    I don't travel a lot in the past but I do want to start traveling. I like perks like lounges or freebies. I am an authorized user for my mom's Capital One Venture Card. I keep trying to get credit increases through discover and keep getting denied for some time. I would rather get a new everyday card that gets me a lot of points (I do not really care about cash back). I am not confident I will get into Amex. I have a past history with Capital One due to previous car loan and my mom's card. I do not like Chase. I have not used CC to pay for rent before, but I would be open to it for points. I have a lot of school loans so thats why my credit is low. Should I try to get the Blue Cash to get to the Gold?

    Amex Gold vs Capital One Venture vs Bilt Obsidian
    byu/Virtual-Coffee3232 inCreditCards



    Posted by Virtual-Coffee3232

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