Cashback Card Recommendation

CREDIT PROFILE

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

* Amex Platinum – 2 years old

* Capital One Quicksilver $12k limit, 26 years old

* Chase Amazon Prime $11.6k limit, 8 years old

* Chase Freedom Unlimited $15.8k limit, 9 years old

* Fidelity Visa $28k limit, 6 months old

* Carecredit Mastercard, $11k limit, 2 years old

* Venmo Stash Debit

* FICO scores with source: Fico score 811 (Various scores all hover around 800)

* Oldest credit card account age: 26

* Cards approved in the past 6 months: 1

* Cards approved in the past 12 months: 1

* Cards approved in the past 24 months: 3

* Annual income $: ~$140k

CATEGORIES

* Ok with category-specific cards?: Yes

* Ok with rotating category cards?: No

* Estimate average monthly spend in the categories below.

* Dining $: 300

* Groceries $: $500 rotating between Food Lion, Harris Teeter, Publix, Walmart and Costco

* Gas $: $100 at Costco

* Travel $: $500

* Using abroad?: No

* Other categories or stores:

* Other spend:

* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Amazon Prime member: Yes

* Verizon postpaid customer: Yes

* Costco or Sam's Club member: Both (Free Sam's Club with my job)

* Open to business cards: Yes

PURPOSE

* Purpose of next card: Cashback

* Cards being considered: Bilt, Costco, Harris Teeter, Walmart, Verizon

I've spent the past few years working on debt and my credit score, and the past couple of years I've dipped my toes in the credit card game and doing a little traveling. I had thought about going for another travel card with a SUB but I've decided to wait on that because I've got a vague idea/plan to take an international trip next year. My thought now is to maximize my cash back with my next card.

I rarely use my Capital One, usually only when there is a targeted offer but it's by far the oldest card I have. Obviously the Prime Visa is for Amazon/Whole Foods. The Fidelity is my daily driver with the 2% going into my Roth IRA each month. Amex is for travel and I do a good job of using all the various credits. With the Venmo stash I rotate between the 5% cash back bundles with Walmart/Taco Bell and Target/McDonald's. Most months both of my Chase cards have a targeted offer for $5 off $100 at Food Lion and sometimes Harris Teeter (sometimes Amex will have a similar or better offer). I got the CareCredit a couple of years ago when my dog was sick and I just upgraded it with an offer of 5% back through December but I have yet to use it.

In looking at where I'm spending money each month, the biggest expenses I have with no cash back are mortgages, HOA and Verizon. The mortgage on my house is through a credit union and is drafted from my account. I also have a mortgage in my name on my father's house that my brother and I inherited and are currently renting out, that's through Rocket Mortgage. I pay my HOA through the bank because the credit card fee makes it the better option, but if I got 5% back it would be worth switching to a credit card payment.

My thoughts on my next card were the Verizon card to cover that spend, or the Costco or Harris Teeter or Walmart card. I'm already getting 5% back on most purchases at Walmart and Harris Teeter so those might be redundant. I generally use the Fidelity card at Costco so I'm already getting 2% back there but the extra on gas might be nice.

Lastly, since the mortgages are the biggest monthly expenses, I have considered Bilt, but I'm a little bit wary.