CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* Redstone FCU
* TD Double Up
* Bank of America Customized Cash
* Discover It
* Capital One Savor
* Chase Amazon
* Chase Freedom Flex
* FICO scores with source: 797 Transunion
* Oldest credit card account age: 10 years
* Cards approved in the past 6 months: 0
* Cards approved in the past 12 months: 0
* Cards approved in the past 24 months: 0
* Annual income $: 100000
CATEGORIES
* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: Yes
* Estimate average monthly spend in the categories below.
* Dining $: 500
* Groceries $: 1000
* Gas $: 300
* Travel $: 500 (flights and hotels averaged out)
* Using abroad?: No
* Other categories or stores: Grocery, Gas, Dining, Entertainment, Auto Insurance, Phone Plan
* Other spend:
* Pay rent by card? No
MEMBERSHIPS & SUBSCRIPTIONS
* Amazon Prime member: Yes
* Costco or Sam's Club member: Costco
* Disney bundle subscriber: Yes
* Big bank customer: Bank of America
PURPOSE
* Purpose of next card: Cashback
* Cards being considered:
ADDITIONAL INFO
With the Redstone FCU getting nerfed, I’m looking to pivot. I was using it as a convenient catch-all card but now I could probably get substantially more by going back to juggling many cards at once.
Whether I can use cards in my current lineup or if you have outside recommendations, I’d appreciate any ideas. It seems Redstone will still allow ond monthly spend category at 5%. I do typically use the Discover and Freedom Flex cards for their rotating categories.
I think grocery is something I should prioritize as I used to dine out a lot more. I’d like to keep it as simple as possible but I’m open to anything.
Thanks in advance!
With Redstone nerf, looking to change my lineup
byu/AmiiboAvenger inCreditCards
Posted by AmiiboAvenger
1 Comment
PayPal debit seems like a no brainer. You do have to set your category on the 1st of every month but the slight inconvenience is worth it. 5% on grocery and Costco, up to $1000 a month.