CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* Capital One Savor, $3,000 limit, 7/2025
* FICO scores with source: Experian 771
* Oldest credit card account age: 9 months
* Cards approved in the past 6 months: 0
* Cards approved in the past 12 months: 1
* Cards approved in the past 24 months: 1
* Annual income $: ~15,000
CATEGORIES
* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: Eh
* Estimate average monthly spend in the categories below.
* Dining $: ~350
* Groceries $: ~20
* Gas $: ~40
* Travel $: ~35
* Using abroad?: No
* Other categories or stores: Subscriptions / digital services, occasional retail/apparel, occasional parking
* Other spend: No
* Pay rent by card? No
MEMBERSHIPS & SUBSCRIPTIONS
* Amazon Prime member: Yes
* Big bank customer: Capital One
PURPOSE
* Purpose of next card: Cashback and continuing to build credit
* Cards being considered:
*Robinhood Gold Card (just got off waitlist)
*Fidelity Rewards Visa
*Chase Freedom Unlimited
ADDITIONAL INFO
20-year-old full-time college student. I work two jobs part-time during the school year and full-time in the summer. I pay my statement balance in full every month and never carry interest.
My income is lower because I’m a student, but I have very low fixed expenses right now — I do not currently pay for my tuition, housing, or most travel. Most of my actual spend is dining and everyday discretionary spending.
I currently bank with Capital One, use Robinhood for my taxable brokerage, and Fidelity for my retirement account. I invest a large amount of my income, so I’m open to either straightforward cashback or a setup that rewards into an investment account.
Main goal is to get the smartest long-term second card, continue building credit, and get solid value from my actual spending. I’m open to either applying now or waiting a few more months if that would put me in a better position. I’d also be open to either cashback or points if one path clearly makes more sense.
Something to note, especially in regards to RH gold card; I am pursuing a career in financial services and will likely need to move my brokerage assets to an employer's platform within a few years. This makes the 3% IRA match (5-year vest) something I will likely forfeit.
Best second card to pair with C1 Savor?
byu/bryceharperfan inCreditCards
Posted by bryceharperfan
2 Comments
bro as fellow student the chase freedom unlimited probably best bet here, 1.5% on everything fills in gaps where savor doesn’t hit plus chase ecosystem gonna be more useful when you graduate and income goes up
Spending and income too low to optimize much, especially when the only >$50/mo expense listed is dining which is already covered by the Savor. Credit history not even a full year old yet. Having to leave Robinhood for your career makes the RH Gold not a great choice, it would probably be more sensible and less hassle to just do your investing with Fidelity. Ultimately I think you should just wait and stick to what you have until you have over a year of credit history behind you, then reassess. If your situation hasn’t changed much by then, a 2% flat rate with an achievable sign-up bonus makes the most sense. WF Active Cash for example does $200 back for $500 spend in 3 months