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