I would like to get into to points instead of cash back because I plan to start traveling a more.

    CREDIT PROFILE

    * Current credit cards you are the primary account holder of:

    * Discover Student It $1,500 limit, 06/2025

    * Chase Freedom Unlimited $800 limit, 03/2026

    * FICO scores with source: Experian 710, Equifax 728, TransUnion 708

    * Oldest credit card account age: 10 months

    * Cards approved in the past 6 months: 1 cc in past 6 months

    * Cards approved in the past 12 months: 2 cc in past 12

    * Cards approved in the past 24 months: 2 cc in past 12

    * Annual income $: 40,000

    CATEGORIES

    * Ok with category-specific cards?: No

    * Ok with rotating category cards?: No

    * Estimate average monthly spend in the categories below.

    * Dining $: 300

    * Groceries $: 100 (Walmart, staying off campus next year so will be higher)

    * Gas $: 60

    * Travel $: 60 (Lyft/Uber)

    * Using abroad?: No

    * Other categories or stores:

    * Other spend:

    * Pay rent by card? No

    MEMBERSHIPS & SUBSCRIPTIONS

    * Amazon Prime member: Yes

    * Big bank customer: Capitol One and Navy Federal

    PURPOSE

    * Purpose of next card: Travel Rewards

    * Travel rewards preferences: Delta

    * Cards being considered: CSP

    ADDITIONAL INFO

    I am currently a first year college student living on campus, and in the fall I will be getting an apartment so my groceries and dining categories will go up. I also plan to take 4+ domestic flights starting next month and 1 international flight in December.

    Need guidance on next card
    byu/deadpool1018 inCreditCards



    Posted by deadpool1018

    1 Comment

    1. thereddituserusa on

      Why pay annual fee as a student? Get 2% flat rate card. Citi Double Cash, Fidelity Visa, SDFCU Premium Cashback+, PNC Cash Unlimited, WF Active Cash are some such options. See link from auto-mod.

      If you want travel specific card, Wells Fargo Autograph is a great no AF or FTF option.

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