CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* Player 1:
* Bank of America Reward World Mastercard
* FICO scores with source: Experian 821
* Oldest credit card account age: 20 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 $: 110,000
CATEGORIES
* Ok with category-specific cards?: No
* Ok with rotating category cards?: No
* Estimate average monthly spend in the categories below.
* Dining $: 1000
* Groceries $: 400 (Kroger, Safeway)
* Gas $: 100
* Travel $: 150
* Using abroad?: No
* Other categories or stores: 1800 Amazon, 60 Internet, 200 Insurance
* 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: Cashback
* Cards being considered:
ADDITIONAL INFO
My primary CC has been cancelled twice in the last year due to fraud alerts. Being without a card while waiting for replacement made me realize that I should have a backup card. I do not carry a balance. Ideally, the backup would have a good SUB, good cash back (2% min), and no annual fee. It would be nice if the issuer also had decent customer service.
Backup Card Recommendation with SUB and Cash Back
byu/AfterAll_That inCreditCards
Posted by AfterAll_That
1 Comment
Any 2% catch-all. Pick between Wells Fargo Active Cash, Citi Double Cash, Fidelity Rewards, PNC Cash Unlimited, TD Double Up, or Navy Federal cashRewards+. There are way more out there, those are just the more popular choices. My personal recommendation is the Wells Fargo Active Cash, they’ve been good to me over the years and haven’t given me any trouble.