Hello! I am a college senior and my credit focus was mainly increasing my available credit with $0 in AF. I am looking for some cards above the 3%. I am also planning to live like a real adult and expect my grocery spending to go up.

    My main card is my Robinhood Gold Card and is my catch all 3%. I use my Citi Custom Cash for Dining(5%). I plan to move back to NYC soon so my Travel/Transit spending will go up a ton, and I am looking for either a new Dining card or a dedicated Transit card.

    Also need a grocery card, 80% of my spend is at Wegmans currently.
    I do not use any other cards at the moment.

    My only subscriptions are Claude Pro ($20), Roblox Premium ($10)(I need this for my primary income), and Apple Storage ($10).

    CREDIT PROFILE

    • * Current credit cards you are the primary account holder of:
    • Robinhood Gold Card $5,000 limit, 11/25
    • Citi Custom Cash $4300, 5/25
    • Citi Double Cash, $900 11/25
    • Apple Card, $2500, 11/25
    • Chase Freddom Unlimited, $4000, 3/24
    • PayPal Cashback Mastercard, $5500, 6/24
    • Discover Student It Cashback, $3800, 9/22
    • Capital One Platnium, $500, 1/25
    • Capital One Savor, $8750, 11/23
    • Capital One Quicksilver, $3000, 9/25
    • * FICO Scores Experian 739, Transunion 724, Equifax 728
    • * Oldest credit card account age with you as primary name on the account: 9/22
    • * Number of personal credit cards approved for in the past 6 months: 3
    • * Number of personal credit cards approved for in the past 12 months: 6
    • * Number of personal credit cards approved for in the past 24 months: 8
    • * Annual income $15k.

    CATEGORIES

    • * OK with category-specific cards?: Yes
    • * OK with rotating category cards?: No, don't want to check specific cards before usage.
    • * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
      • * Dining $: 200
      • * Groceries $: $250 (Mainly Aldi, Wegmans, & Walmart)
      • * Gas $: 0, NYC.
      • * Travel $: 150(Main spend on flight(Exclusively United) to/from college, and airbnbs, Transit and Ubers)
      • * Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No
      • * Any other categories with significant, regular credit card spend (the more you specify, the better): $25 Boost Mobile monthly, and $50 a month
      • * Any other significant, regular credit card spend you didn't include above?: $100 monthly at 7 Eleven(I have Gold Pass and my spending here is snacks and beer.) I am unsure what category this falls under but would be nice to get more than 3%.
      • * Can you pay rent by credit card? No.

    MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)

    • * Current member of Chase, US Bank or any other big bank?: Yes, I have a Chase College Checking & Capital One 360 Checking.
    • * Are you open to Business Cards?: Yes, I have a DBA.

    PURPOSE

    • * What's the purpose of your next card (choose ONE)?: Saving Money
    • * Do you have any cards you've been looking at? Verizon Visa, may change my phone service for the 4% grocery and 4% dining. I also was considering the US Bank Altitude Go, but don't think I can get approved.

    New Cards for a Soon To Be College Grad
    byu/Comfortable-Tone1315 inCreditCards



    Posted by Comfortable-Tone1315

    1 Comment

    1. electronautix on

      Product change your Citi Double Cash into a Citi Custom Cash. Then apply for a Citi Strata (the no annual fee one), secure the sign up bonus, and then product change that into another Custom Cash. CCC 1 for groceries, CCC 2 for dining, and CCC 3 for transit. Then PC the Chase Freedom Unlimited into an original Chase Freedom. And you’ll be set… Only one new card account for a quadruple 5% setup, and none of these product changes make you ineligible for sign-up bonuses that you haven’t already claimed.

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