CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* Chase freedom unlimited, $7,600, 01/2025
* FICO scores with source: experian 611
* Oldest credit card account age: 3
* 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 $: 120000
CATEGORIES
* Ok with category-specific cards?: No
* Ok with rotating category cards?: No
* Estimate average monthly spend in the categories below.
* Dining $: 250
* Groceries $:
* Gas $: 198
* Travel $: 650(commuter train, subways)
* Using abroad?: No
* Other categories or stores:
* Other spend:
* Pay rent by card? No
MEMBERSHIPS & SUBSCRIPTIONS
* Amazon Prime member: Yes
* Costco or Sam's Club member: Sam's Club
* Disney bundle subscriber: Yes
* Big bank customer: Chase
PURPOSE
* Purpose of next card: Travel Rewards
* Cards being considered:
ADDITIONAL INFO
My company reimburses my commute costs. I spend about $200 a week on commuter train, subways, tolls, gas and parking. I would like a card with highest rewards for transit costs
My company reimburses my commute costs. I spend about $200 a week on commuter train, subways, tolls, gas and parking. I would like a card with highest rewards for transit costs
byu/BobBelcherSaysIdiot inCreditCards
Posted by BobBelcherSaysIdiot
3 Comments
Citi Custom Cash
Amex BCP
Check those out and see which fits your spend the best.
AmEx Green is 3x on transit. Depending on how you calculate value of a Member Reward point, that can top the 5% back custom category cards in some situations.
Citi Custom Cash is 5%, but it’s limited to the first $500 per billing cycle and then transitions to 1%. Your transportation fee seems to be higher than $500. Note it wouldn’t include gas as a transit category.
US Bank Cash+ is a bit better in terms of spend limits ($2000 quarterly) with the same 5% for ground transportation. This one does not include parking/tolls and of course gas from what I am aware.
You could potentially get multiple of these cards or mix the 2 cards together.