Looking For My Next Card – Open to Recommendations

Hello all. I am relatively new to the credit card game and am looking to take the next step towards improving my setup. I am 22 (turning 23 this year) and work for a stable Fortune 100 company. I am not very savvy in the credit card world and only really got started last year. I currently run the Discover It and Chase Freedom Unlimited. I use the Discover as my catch-all/category spender (currently getting 2% back on all purchases until the intro offer expires in June), then the Chase Freedom is a play to earn 5% on travel while also being able to utilize the 3% on restaurants.

I'm currently looking at cards that could both capture value on food-related purchases, but also start positioning myself to take advantage of point transfers for travel down the line. My girlfriend and I love to travel, and I'd really like to start building a points base for trips we take in the future. I saw that Amex was running a sign-up offer for the Gold card to get 60k-100k in points if you meet the spending threshold. I applied and got the higher sign-up bonus of 100k. I'm heavily considering this card due to the 4x on groceries, with the 4x on restaurants being another benefit too. I already spend in correlation with a lot of the credits, so it'd just be a matter of working them into my month-to-month spend.

I come here because I am ignorant about this world. I have done some research and am considering one other route: getting the Chase Freedom Flex and combining that with my Freedom Unlimited to eventually open and transfer to the preferred card. Since I already have some points through my unlimited, I see this making sense.

I am open to advice here and am willing to answer any questions. Ultimately, I'd like to get a card that I can use on my food spend, but also start to position myself for traveling in the near future. Open to questions + there's some extra info down below :). Thanks!

• Current cards:
  • Discover It – $3,500 limit, May 2025
  • Chase Freedom Unlimited $9,000 limit, October 2025
• FICO Score: 720
• Oldest account age: almost 11 months
• Chase 5/24 status: 2/24
• Income: e.g. $78,750 Base, roughly 87,000 after bonus
• Average monthly spend and categories:
  • dining $125
  • groceries: $325
  • gas: $150
  • travel: $125
  • other: $30
• Open to Business Cards: No
• What's the purpose of your next card? Building Credit/Travel
• Do you have any cards you've been looking at? Amex Gold, Citi Custom Cash, Chase FF
• Are you OK with category spending or do you want a general spending card? I am okay with either. I do not mind balancing what categories are on for which months.