Hello,
You helped me in the past, I count on you to help me now 🙂
I am open to waiting if that makes more sense given how recent my credit history is, but I would still like to hear what you think are best offers right now.
Appreciate any advice!
- Current cards: (list cards, limits, opening date)
- Discovery Secured Card (first card, now closed) – 2500$ limit Jan/2025)
- Amex Gold (unknown limit – May/2025)
- HSBC premier (15k limit – I am banked with them Feb/2025)
- FICO Score: 712
- Oldest account age: 11.5 months old 🙁
- Cards approved in the past 6 months: 1
- Cards approved in the past 12 months: 3
- Cards approved in the past 24 months: 0
- Chase 5/24 status:
- Income: $250k+
- Average monthly spend and categories:
- dining $800
- groceries: $500
- gas: $0
- travel: $1000
- other: $800 (online)
- rent: $3500
- Open to Business Cards: No
- What's the purpose of your next card? Travel (I live in the US, but also use Star Alliance) + points transfer
- Do you have any cards you've been looking at? Amex platinum, Citi Stratios.
- Are you OK with category spending or do you want a general spending card? I am open to your suggestions,
Considering getting a new card for travel
byu/Commercial_Insect764 inCreditCards
Posted by Commercial_Insect764
2 Comments
I’m surprised that you managed to secure an AmEx Gold so early into your credit journey, though I figure that may be because of your income and spend. Are you getting enough value out of the AmEx Gold to justify its annual fee, and having an easy time finding ways to make use of your Membership Rewards? If so, it may make sense to round out the full American Express credit card trifecta: the Blue Business Plus + Gold + Platinum. Which of the other two to grab first would principally depend on which offers you their maximum sign-up bonus first (BBP can go up to 75k MR, Plat can go up to 175k). Would otherwise wait to round out that full year of credit history before making any moves.
I’d recommend the Venture X if you can get it, esp with the elevated SUB rn.
As someone who also has a higher income and travels a lot it’s a great catch all, Visa that’s basically accepted everywhere, and easy to mitigate the AF. It’s a card to get sooner than later in your card journey, whereas the Amex Plat is pretty easy to get anytime due to your income.