Card Recommendations for College Student

Current Cards:

– Capital One Savor, $1300, July 2025

– Discover IT, $2000, November 2025

– Chase Freedom Unlimited, $3000, March 2026

FICO Score: 741

Oldest Account: 2 years, 10 months (car loan)

Chase Status: 3/24

Income: $26,000 (part time while in school)

Average Monthly Expenses:

– Dining: $250

– Groceries: $350

– Gas: $200

– Rent: $415

– Utilities: $100

– Travel: $50-75 (save up for usually 1 trip/year)

– Other: $150-200

Open to Business Cards: No

Purpose of Next Card: Currently undecided. I’m looking to set myself up for higher end cards I get later down the road (ie. build relationships with companies/get cards that pair together). I’m also looking to fill in gaps where I’m not getting as much cash back/points as I could be.

Cards I’ve Been Looking at:

– Amex blue cash everyday: (build relationship with Amex, and has 3% online category)

– Amex blue cash preferred: (same reason as above, but better cash back, 6%)

– Chase Freedom Flex: (Pairs well with other chase cards)

– Chase sapphire preferred: (Starter travel card, I don’t know if I really travel enough to make this worth it right now. Maybe down the road)

Card Preferences: I’m open to pretty much anything. I’m mainly just looking to longer term use and what would set me up best for the future.

Personal Bio: Current junior undergrad, applying to medical school. I come from a “credit cards are the devil” household so much of this is new to me. Started building my credit so I can take out student loans in the future. All cards are paid in full every month, handling multiple cards pretty well so far, will consider cards with annual fees.