Current cards: (list cards, limits, opening date)

    ⁠• ⁠Discover IT – $3,000 line – Jan 2024

    • ⁠Bank of America auto loan – $20,000/$27,000 – Oct 2024

    • ⁠Oldest account age: 2.5 years

    • ⁠FICO Score: ~730

    • ⁠Income: ~$18,000 (may change)

    • ⁠Average monthly spend and categories:

    ⁠• ⁠dining: \~$100

    ⁠• ⁠groceries: $150

    ⁠• ⁠gas: $200

    ⁠• ⁠shopping: $100

    ⁠• ⁠other: $250

    • ⁠What's the purpose of your next card?: Building credit, earning miles/points, maximizing spending rewards

    • ⁠Do you have any cards you've been looking at?: CapitalOne Venture Rewards and VentureOne Rewards

    • ⁠Are you OK with category spending or do you want a general spending card?: Either. I’m not a huge fan of discovers rotating category rewards multiplier

    I am a student and I luckily don’t pay rent or any major things other than a monthly car payment of $485. I spend most of my money at target where I get a lot of my groceries and miscellaneous items and Costco. I eat out about on average 4-6 times/month. I don’t shop super frequently (~5/yr) but when I do I spend ~$300. I travel usually 2-3 times a year but I want to start earning miles/points so when I’m out of school I can travel more. I’m ok with annual fees as long as the card makes it worth it. I also know that chase does a 1:1 points transfer with Hyatt, should I be looking into a chase card?

    Looking for recommendations on a 2nd card
    byu/Available_Repeat_673 inCreditCards



    Posted by Available_Repeat_673

    1 Comment

    1. HourSwimmer9269 on

      with your spending at target and costco, you might want something that gives flat rate on everything instead of those rotating categories.

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