Hi all, I [22] will be graduating next month, and I will be moving back home this summer to start work. I'd like your recommendations for my next card. I would like to build out my cash-back setup and avoid annual fees if possible.

    I am also concerned about the fate of my Savor card since it seems like Capital One is migrating everything to the Discover payment network. I would like to find a no FTF Visa or Mastercard if that does happen. TIA.

    CREDIT PROFILE

    • * Discover IT Chrome $2,800 limit, 08/2021
    • * Chase Freedom Flex, $2,900 limit, 07/2023
    • * Capital One Savor, $10,000 limit, 02/2026
    • * FICO Scores: Experian: 776 (FICO 8), Equifax 762 (Vantage 3.0), Transunion 757 (Vantage 3.0)
    • * Discover IT Chrome (4 years, 8 months)
    • * Number of personal credit cards approved for in the past 6 months: 1
    • * Number of personal credit cards approved for in the past 12 months: 1
    • * Number of personal credit cards approved for in the past 24 months: 1
    • * Annual income: $80,000 pretax 

    CATEGORIES

    • * OK with category-specific cards?: YES
    • * OK with rotating category cards?: YES
    • * Average Monthly Spend
      • * Dining $: $200
      • * Groceries $: $300 at Costco, $100 at supermarkets
      • * Gas $: 100 (Costco)
      • * Travel $: $100 for Amtrak, $20 for local transit, $100 for average airfare, usually Frontier or Southwest
      • * Do you plan on using this card abroad for a significant length of time?: Potentially moving abroad next year for job
      • * Any other categories: Home improvement and AutoZone (average $50 per month each), State Farm ($100 per month), Verizon ($50 per month)
      • * Any other significant, regular credit card spend you didn't include above?: $250 in miscellaneous
      • * Can you pay rent by credit card? No

    MEMBERSHIPS & SUBSCRIPTIONS

    • * Current member of Amazon Prime?: Family has Amazon Prime
    • * Current Verizon postpaid customer?: Yes
    • * Current member of Costco or Sam's Club?: Costco
    • * Current member of Chase, US Bank or any other big bank?: Accounts at Chase and Capital One/Discover
    • * Will be purchasing a AAA membership

    PURPOSE

    • * What's the purpose of your next card?:
      • * Finding one or more cashback cards to optimize for the following categories: Grocery/Wholesale, Gas, Catch-All
    • * Do you have any cards you've been looking at?: AAA Daily Advantage, Fidelity Rewards Signature Visa, MSD Visa Vigor Signature (Credit Union Card)

    Card Recommendation Request
    byu/Impressive_Divide_24 inCreditCards



    Posted by Impressive_Divide_24

    1 Comment

    1. Glad_Comment_4031 on

      wait the Capital One thing is just for discover cards right? your savor should be fine since it’s visa network already.

      for your setup maybe look at citi custom cash for that 5% grocery category since you spend decent amount there.

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