CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* Chase Freedom Unlimited, $10,300 limit, 3 years
* Discover It Cash Back, $4,600 limit, 5 years
* FICO scores with source: 773 (Experian)
* Oldest credit card account age: 4 years
* Have not applied for a card in the past 24 months
* Annual income $: 85,000
CATEGORIES
* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: Yes
* Estimate average monthly spend in the categories below.
* Dining $: $400
* Groceries $: $300
* Transit/Travel $: $200
* Pay rent by card? Yes, amount and fee: $1,450 with a 3.5% fee (+$2.95 processing fee)
MEMBERSHIPS & SUBSCRIPTIONS
* Amazon Prime member: Yes
* Big bank customer: Truist, Ally
PURPOSE
* Purpose of next card: Cashback/rewards, no FTF
* Cards being considered: Capital One Savor, Wells Fargo Autograph (open to others!)
ADDITIONAL INFO
Looking for a Visa or Mastercard with no foreign transaction fee (traveling abroad soon) and no annual fee, and ideally something to fill in the gaps of my other credit cards/address consistent spending (transit, dining, groceries). Thanks so much in advance for your help!
Please Help! Looking for New Card with $0 FTF, Annual Fee
byu/trinket_enthusiast inCreditCards
Posted by trinket_enthusiast
3 Comments
Wells Fargo autograph seems like a good choice (covers dining/transit/travel at 3% with no annual fee or foreign transaction fee), the only thing it misses is groceries.
You could get the Savor (or some other card, like the Citi Custom Cash) later on to cover groceries
If you spend a decent amount on Amazon it might be worth considering the Prime Visa, no FTF.
Between the two cards you’re looking at, I’d say yes to the Autograph and no to the Savor. Not that the Savor is bad at all – it’s actually a fantastic card. But that Capital One has started issuing new Quicksilver, QuicksilverOne, Savor, SavorOne, Venture, and VentureOne cards on the Discover network to select applicants, and has officially announced that the Quicksilver will be moving to the Discover network entirely (affecting people with existing Mastercard and even older Visa network Quicksilvers). In other words, the Savor’s days as a Mastercard are numbered. Either you get selected to be issued a Discover Savor, or
if you manage to get a Mastercard Savor then you enjoy it for a few months before Capital One does to it the same thing they’re doing to the Quicksilver.
If you want a broader range of options besides the Wells Fargo Autograph, here’s a few:
2% catch-alls: Fidelity Rewards, PNC Cash Unlimited, Navy Federal cashRewards+, BCU Cash Rewards, SDFCU Premium CashBack+, PenFed Power Cash
3%+ category cards: US Bank Altitude Connect (4% travel, gas, & EV charging), US Bank Kroger Rewards (and variants) (5% mobile wallet, some variants have 3% dining and gas), AAA Daily Advantage (5% groceries, 3% wholesale clubs, pharmacies, gas, EV charging, streaming), AAA Travel Advantage (5% gas and EV charging, 3% groceries, dining, and travel), Chase Amazon Prime (5% Amazon and other Amazon owned businesses like Whole Foods)