TLDR: I have 2 credit cards, but one of them is a JetBlue card and I want to use it less due to their uncertain future. Should I move primarily to using my M&T Signature Visa, or should I get a new card (if so, which one)?

    • Current cards:
      • M&T Bank Visa Signature – $12,000 limit (3yrs)
      • JetBlue Card – $9,000 limit (1yr)
    • FICO Score: 811
    • Oldest account age: 4 years
    • Income: 
      • ~$2,000 monthly, but will soon be $0 since I'm starting med school this summer
    • Average monthly spend and categories (projected):
      • dining: $80
      • groceries: $300
      • gas: $100
      • travel: $100 (mostly in summer)
      • other: $150
      • rent can't be put on CC so I didn't include
    • Open to Business Cards: 
      • No
    • What's the purpose of your next card? 
      • Not too sure if I even need one tbh, I'm looking to use my JetBlue card less as the airline's future is mildly concerning. Would love to maximize rewards but I don't want an annual fee.
    • Do you have any cards you've been looking at? 
      • Chase Freedom Unlimited
    • Are you OK with category spending or do you want a general spending card?
      • General spending

    Thanks!

    Should I get a 3rd credit card? 21 y.o. incoming med student – wanting to use my JetBlue card less
    byu/eywapandora inCreditCards



    Posted by eywapandora

    1 Comment

    1. No-Faithlessness1760 on

      I’d say just get a 2% or 2x flat rate cash back card, like the Citi Double Cash or Wells Fargo Active Cash. Your M&T is 1.5% which isn’t the best. You could even look into the Robinhood Gold card for 3% back on all/most purchases. Your overall spend and category spend isn’t high enough for a mix of optimized cards.

    Leave A Reply