Hello! I'm finishing up my master's, and it's looking like I have a job set up in a few months. In the meantime, I am looking for a good credit card to add that will actually have good value in terms of cashback or travel that also has an intro 0% APR offer that I can utilize for the next few months. Here's the template filled in:
- Current cards: (list cards, limits, opening date)
- BoA Customized Cash $4,200 limit, December 2024
- Citi Best Buy $2,000 limit, August 2024
- Discover IT $1,750 limit, July 2024
- Elan Fidelity Signature Visa $1000 limit, July 2024
- Chase Amazon Prime Visa $2000 limit, July 2024
- US Bank Kroger $1000 limit, July 2024
- FICO Score: 769
- Oldest account age: e.g. 1 year 9 months
- Chase 5/24 status: 0/24
- Income: e.g. $43,000 (soon to be ~$70,000)
- Average monthly spend and categories (gas and groceries are expected to increase soon):
- dining $100
- groceries: $100
- gas: $100
- travel: $100
- other: $1000
- Open to Business Cards: No
- What's the purpose of your next card? Travel or Cashback, 0% APR spend (and possibly balance transfer)
- Do you have any cards you've been looking at? open to any suggestions
- Are you OK with category spending or do you want a general spending card? okay with either
Looking for a solid CC with a 0% intro APR offer
byu/helloooitsme7 inCreditCards
Posted by helloooitsme7
1 Comment
chase freedom flex might work well for you since you’re 0/24 with chase and have decent income lined up. 15 months 0% apr plus the rotating 5% categories could be solid once your spending goes up with the new job
only thing is you already got quite a few cards recently so might want to space things out a bit, but your score looks good for approval