I'm a 20 y/o college student finishing up, was looking into getting a second credit card and wanted to hear what you guys recommend.
Current cards: U.S. Bank Cash+ $6,000 Limit
FICO Score: 741
Oldest account age: 2 years and 4 months
Income: $33,000
Average monthly spend and categories:
Food: $400
groceries: $300
gas: $300
Rent: $1,200
School stuff: $500
Recurring Subscriptions (gym, spotify,etc): $200
Second credit card recommendation for 20 y/o
byu/Ogromnyy inCreditCards
Posted by Ogromnyy
3 Comments
I mean I might be biased, but I got off the waitlist for the Robinhood gold yesterday. 3% cashback is my preferred, since I don’t travel. I plan to put all that into my Roth IRA since I have one with them. I’m 19 and in college by the way, with 4 other cards (quicksilver, savor, wells active cash, and Costco Citi, the former 3 will all be obsolete with the Robinhood gold). If you plan to travel, maybe check the venture or VentureX from CapitalOne. Honestly if you ask me, putting everything on a 3% cashback is the simplest and most optimal.
discover it student card maybe
You already have a card that’s good with specific categories. It’s kind of a surprising first card to have, since the big allure for most people is the Utilities category.
Either way, it seems you already have established credit (unless you’re just an AU on your existing card). I’d probably go for one of the 2% catch-all cards like a Wells Fargo Active Cash or Citi Double Cash.