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
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.
Home airport?