CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* Bank of America Custom Cash Rewards – $3700 Limit, 06/2021
* Capital One Savor – $1000 Limit, 08/2024
* AAA Daily Advantage – $3800 Limit, 03/2025
* Wells Fargo Active Cash – $4500 Limit, 08/2025
* Amazon Prime Visa – $4500 Limit, 12/2025
* FICO scores with source: Experian 750
* Oldest credit card account age: 5 years
* Cards approved in the past 6 months: 1
* Cards approved in the past 12 months: 3
* Cards approved in the past 24 months: 4
* Annual income $: 80000
CATEGORIES
* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: No
* Estimate average monthly spend in the categories below.
* Dining $: 150
* Groceries $: 300 Grocery Stores 100 Costco
* Gas $: 20
* Travel $: 30
* Using abroad?: No
* Other categories or stores: No
* Other spend: No
* Pay rent by card? No
MEMBERSHIPS & SUBSCRIPTIONS
* Amazon Prime member: Yes
* Costco or Sam's Club member: Costco
* Big bank customer: Chase thru Amazon Prime, Wells Fargo, Bank of America, Capital One
PURPOSE
* Purpose of next card: Cashback
* Cards being considered: Elan Visa Max Cash, Citi Custom Cash
ADDITIONAL INFO
23 year old college student, about to start full time this summer. I don't expect major purchases besides moving costs (hotels, furniture, etc.)
New Grad: Looking for Next Card
byu/-Lost_My_Pieces- inCreditCards
Posted by -Lost_My_Pieces-
3 Comments
Amex Blue Cash Everyday (no fee) or Amex Blue Cash Preferred ($95 fee) they offer great and easy cash back reward structures and both come with a Disney bundle credit meaning you get on Amex BCE $7 and Amex BCP $10 up to $84 on BCE and $120 on Amex BCP on your Disney/Hulu bundle so if you’re looking for cash back?
Amex is the way to go with both cards.
I wouldn’t be in a rush to add a new card if I were you. You have some good ones already, and you don’t want to take on too many obligations.
Your spend is quite low so honestly you don’t need any new cards. Even bumping up your dining multiplier from 3% to 5% with a Citi Custom Cash would net you $3 a month extra lol. If you want to get 5% on everything so bad then a US Bank Kroger would secure 5% on all mobile wallet spend on up to $3k spend per year, aka pretty much everything you spend in a year outside of what you already have at 5%.