Working towards my goal of homeownership but my score tanked last year to a 540. Now it's a 680. I'd like another card to grow my credit score and earn travel points. I don't travel often because I can't afford it, but when I do, I travel to the North East USA from Texas if that's helpful. Hoping picking the right card could help me to afford more trips! I'd really like something without an annual fee.

    Current cards: (list cards, limits, opening date)

    • RBFCU World Card $1000 limit, Jan 2017
    • RBFCU Platinum Premier $10,000 limit, June 2023
      • FICO Score: 680
      • Oldest account age: 9 years 2 months
      • Income: $60,000
      • Average monthly spend and categories:
    • rent $1140
    • groceries: $300
    • gas: $50
    • utilities: $200
    • student loans: $300
    • other/subscriptions: $30
      • Open to Business Cards: No
      • What's the purpose of your next card? e.g. Building credit to up my score, Travel points
      • Do you have any cards you've been looking at? Capital One Venture Good Credit Card, Chase Freedom Unlimited, colleague suggests Alaskan Airlines
      • Are you OK with category spending or do you want a general spending card? Ideally, I would like something without an annual fee.

    credit score tanked last year, would like to build it back up and earn travel points!
    byu/Designer-Row-3084 inCreditCards



    Posted by Designer-Row-3084

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