⁠Current cards:

    ⁠•  ⁠Discover It (only credit account at the moment)
    

    • ⁠FICO Score: 790

    • Credit History: 4 yrs 9 months

    • ⁠Income: $40k (parent’s income available + mine). I am still a student for the next 15 months.

    Debt: $0

    • ⁠Average monthly spend and categories (I don’t always use my credit card to pay these but here’s the amount according to my credit card spending analysis):

    Total spend on credit card: $450

    Top category: merchandise

    Second highest: dinning + grocery

    Second highest: travel/entertainment

    • ⁠What's the purpose of your next card?

    travel or cash back. My family asks me to buy plane tickets and book hotels for them so maybe having a travel card could be helpful. I also like the idea of using my points/cashback to travel. My cash back on the discover it is also not the best right now because it is rotating categories so I feel like I don’t make the most of it either.

    • ⁠Do you have any cards you've been looking at?

    Chase sapphire preferred + freedom or the capital one savor + venture X.

    I am not sure whether I should have the chase trifecta or capital one duo. I also don’t know how possible it is for me to get approved for the venture X or the chase sapphire preferred. I don’t want to open so many credit cards and as of right now, I would rather stay in one ecosystem instead of trying to get in both of them in the future.

    If I do plan on joining these ecosystems what is the first card I should apply for in each?

    If there are any other cards I should consider, please let me know.

    Second Credit Card Advice (chase, capital one, or something else completely)
    byu/Fluffy-Honey-4117 inCreditCards



    Posted by Fluffy-Honey-4117

    2 Comments

    1. Western-Chart-6719 on

      you might lean toward starting with a solid everyday card that covers your spending and builds history, then add a travel card later once your profile and income look stronger, keeping it simple in one setup.

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