CREDIT PROFILE

    * Current credit cards you are the primary account holder of:

    * Chase Freedom $3000 limit, 02/2025

    * Prime Visa $2600 limit, 03/2025

    * Chase Sapphire Preferred $7500 limit, 03/2026

    * FICO scores with source: Experian 722

    * Oldest credit card account age: 1 year

    * Cards approved in the past 6 months: 1

    * Cards approved in the past 12 months: 1

    * Cards approved in the past 24 months: 3

    * Annual income $: 64000

    CATEGORIES

    * Ok with category-specific cards?: Yes

    * Ok with rotating category cards?: Yes

    * Estimate average monthly spend in the categories below.

    * Dining $: 600

    * Groceries $: $50 Target, $30 Costco

    * Gas $: 120, at Costco during the summer

    * Travel $: 250

    * Using abroad?: Studying abroad in a year I suppose

    * Other categories or stores: 200 car insurance, 30 amazon

    * Other spend: YouTube Premium 23, Claude 20, E-ZPass 30, NYC Subway 20

    * Pay rent by card? No

    MEMBERSHIPS & SUBSCRIPTIONS

    * Amazon Prime member: Yes

    * Costco or Sam's Club member: Costco

    * Big bank customer: Chase

    PURPOSE

    * Purpose of next card: Cashback

    * Cards being considered: Chase Sapphire Reserve, Amex Gold/Platinum

    ADDITIONAL INFO

    I'm gonna pay $3200/mo for 3 months ($9600 total) for a furnished suite for my internship this summer and get it reimbursed. I'm mainly looking for the best sign up bonus for this. I like to travel a lot (for cheap) but award travel really stresses me out sometimes and it'd be nice to have a setup like with Chase where I can just redeem for cash without any BS. I am also worried about getting a card I'm going to cancel in a year, because the last time my credit score dropped a significant amount (40 points), my car insurance went up $100 a month. So I'm attracted to CSR and Amex Gold or Platinum but worried that they will end up not being worth the fee after a year and cost me a lot in insurance. Already I find myself not using the Chase Travel portal as much as I want to because it only shows expensive stuff. I can't imagine using The Edit or Fine Hotels and Resorts that much. After all I'm still just a college student. At least with CSR I can downgrade to a no fee card (thinking Freedom Flex). Anyway other suggestions welcome!

    Looking to turn $10k into a sign-up bonus
    byu/Hansy_b0i inCreditCards



    Posted by Hansy_b0i

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