I currently have the Discover IT, Apple Card (Silly Decision), Citi Double Cash, and the Chase Freedom Unlimited.
What each card is used for:
Discover: Audible Subscription. That’s it. Just so the card doesn’t close
Apple: Whenever really, Gas, Gas station snacks, Target
Citi DC: nothing really, I spend like $50 bucks biweekly just so the card doesn’t close
Chase FU: Main card, lunch, big purchases
I make around 80-85k after bonuses.
I travel once a year for a work trip
Still live with parents and saving 1/4 of my monthly income.
What would I even get next? Another $0 annual fee card? Capital One? Or go for the Chase sapphire preferred?
Or just stay where I’m at?
Maybe I should focus on getting the best categories per card but my ADHD keeps forgetting about the revolving offers.
Sorry if this is all over the place…
FICO:710
I have four $0 annually fee credit cards, what would be next after these?
byu/FireLilypad inCreditCards
Posted by FireLilypad
3 Comments
maybe it depends on your spending category，what are you spending on that are not covered well， are you more team cashback or team travel， your single travel might make venture one or venture x worth（if you have good credit， or csp to make the chase pair，or strata permier for citi pair
Go for the sapphire preferred if you think the dining multiplier will work for you and if you can hit the SUB
Double Cash is an excellent 2% catch-all card. You should put most of your spending on it, not Freedom Unlimited. Only dining and pharmacy spending should go on CFU.
If your dining budget is $500/month or less, get Citi Custom Cash. Pairs easily with Double Cash to optimize savings. CFU can be relegated to a sock drawer in this case.
If you have notable grocery spending in addition to dining, consider Capital One Savor as a replacement for CFU and rather than Custom Cash. Pair Savor with Double Cash for your optimized duo.
Longer term, there is no need to keep the Discover or Apple cards. And if you get Savor, you can dump CFU too. They are just dead weight, and there is no harm in ditching them since you have other cards on hand.