CREDIT PROFILE
\* Current credit cards you are the primary account holder of:
\* BOA Customized Cash – $27,500 – August 2026
\* Costco Anywhere Visa – $8,900 – May 2026
\* Amex Gold – No Limit – January 2025
\* Discover it Cash Back – $4,000 – January 2024
\* Apple Card – $15,300 – December 2021
\* Discover Chrome – Nil – Sep ‘17 (Closed Jan ‘26)
\* FICO scores with source: Experian 772, TransUnion 770
\* Oldest credit card account age: 9 Years
\* Cards approved in the past 6 months: Two
\* Cards approved in the past 12 months: Two
\* Cards approved in the past 24 months: Three
\* Annual income $: $123,000
CATEGORIES
\* Ok with category-specific cards?: Yes
\* Ok with rotating category cards?: Yes
\* Estimate average monthly spend in the categories below.
\* Dining $: $1200
\* Groceries $: $400
\* Gas $: $300
\* Travel $: $150
\* Using abroad?: Maybe
\* Other categories or stores:
\* Other spend:
\* Pay rent by card? No
MEMBERSHIPS & SUBSCRIPTIONS
\* Amazon Prime member: Yes
\* Costco or Sam's Club member: Costco
\* Big bank customer: Bank of America
PURPOSE
\* Purpose of next card: Catch All, Travel, Perks
\* Cards being considered: Capital One Venture X
ADDITIONAL INFO
I’m looking for a card that will act as a good catch all plus travel and perks alongside my Amex Gold’s 4x Restaurants/Groceries and 3x Flights. Lounge access is also desired; I’d like to bring guests but it’s not a requirement (I also understand that it would only be $125 to add someone else to my Priority Pass with VX).
I also have a Costco Anywhere Visa for Gas/Costco, BOA Customized Cash (Only BOA Rewards Member, I prefer to keep investments and savings elsewhere) for Online Shopping, and Discover Cash Back for rotating 5%.
I have been looking at tons of options and I think I have landed on the Venture X as potentially my best path forward. My thinking is that this could replace my Apple Card which I have been using as an Apple Pay 2% catch all.
Does anyone have any other recommendations? Is there any double-coverage I might not be seeing?
Travel/Catch All Card Paired w/ Amex Gold
byu/gbtuck3r inCreditCards
Posted by gbtuck3r
2 Comments
Venture X is the obvious pick here, your setup is basically screaming for it with that dining spend on the Gold and needing a catch-all
bilt palladium unless you need ANA transfer partner.
bilt is basically 3.55x catch all on everything with 2 hotel coupons to use to get your money back. has additional priority pass memberships you can get.
do you spend more than 75% of your mortgage/rent+25k a year?