I have several domestic travel plans booked this year, but I hope to do a max of one international trip per year in the future. I believe flights where be were I can maximize points since I can buy flights on my CC for my Fiancé, myself, and other family.

    Being that my airport is an AA hub, it’s a must to have the option to transfer points to AA. I plan to move out of this state in the next 3-4 years, so I am unsure if buying into the AA Citi card would be good for the long term.

    Other considerations:

    – I’m pre-approved for these Chase cc’s; CSP, Freedom Flex, and Slate.

    – I have Preferred Rewards Platinum Tier status with Bank of America (employee perk)

    – I am drawn to having a CITI card for the perks it gives with TicketMaster, but it’s not a show stopper.

    **CREDIT PROFILE**

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

    * Player 1:

    * Myself – Synchrony Ashley Homestore Credit Card: $4,000 Limit, 03/2023 (I used this card to buy furtnite once for the 0% APR and never used again or closed- oldest line of credit)

    * Player 2:

    * Fiance – Chase Freedom Unlimited

    * FICO scores with source: Experian 737, TransUnion: 737

    * Oldest credit card account age: 3 years 2 months

    * Cards approved in the past 6 months: 0

    * Cards approved in the past 12 months: 0

    * Cards approved in the past 24 months: 0

    * Annual income $: $111,000 USD

    **CATEGORIES**

    * Ok with category-specific cards?: Yes

    * Ok with rotating category cards?: Maybe (I don’t know much about this)

    * Estimate average monthly spend in the categories below.

    * Dining $: $400 – $500

    * Groceries $: Walmart: $150, Publix: $150, Costco: $150 – $250

    * Gas $: $30 (Gas Stations), $120 (Costco)

    * Travel $: flights: $230, hotels: $100, Air BnB: $160, Car Rentals: $40

    * Using abroad?: No

    * Other categories or stores: phone: $200 monthly, Amazon: $100 monthly

    * Other spend:

    * Pay rent by card? No

    **MEMBERSHIPS & SUBSCRIPTIONS**

    * Amazon Prime member: Yes

    * Costco or Sam's Club member: Costco

    * Big bank customer: Chase, Bank of America

    **PURPOSE**

    * Purpose of next card: Travel Rewards

    * Travel rewards preferences: Preference for American Airlines transfer points (I live in the Charlotte,NC AA Hub)

    * Cards being considered: Capital One Venture X, Citi Strata Premier, Wells Fargo Autograph Journey

    Suitable travel credit card for someone with my credit profile?
    byu/hell_of_a_bad_time inCreditCards



    Posted by hell_of_a_bad_time

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