Current cards: Discover IT $1,500 limit, May 2025
• FICO Score: 762 on Discover, 712 on Experian
• Oldest account age: 12 months
• Chase 5/24 status: 2/24
• Income: $22,000
• Average monthly spend and categories:
• dining $200
• groceries: $100
• gas: $200
• travel: $0
• other: $100-200
• Open to Business Cards: No
• What's the purpose of your next card? Building credit and getting points towards travel
• Do you have any cards you've been looking at? Amex Gold, Venture, Sapphire Preferred
• Are you OK with category spending or do you want a general spending card? Im okay with both
More Info:
Recently applied to the Amex Gold and i was accepted with an offer of 60,000 membership points if i spend 8000 in six months. I would not be able to meet that offer as i work part time in college and i do not spend enough to reach the cost of 8000.
I really want the card because a lot of my money i spend goes to food which would gets 4x points and i want to start saving up points so i can travel in the future.
Im not sure if i should get the card or if I should apply to other cards that would benefit me better. If you have any advice or recommendations i would greatly appreciate it.
Should I get the Amex Gold as my second credit card if I cant meet the welcome offer?
byu/Own-Caterpillar-7407 inCreditCards
Posted by Own-Caterpillar-7407
3 Comments
No, you don’t have the income or spending to justify a card like that. Look into something like the Capital One Savor card. No AF and gets 3% on dining, groceries, and entertainment (including streaming services).
bruh 22k income. NO.
It’s a painfully bad idea to open a $325 card with $22k income, especially when you admittedly can’t spend enough to make it worthwhile.
Open the Savor card instead, if you absolutely have to have another card.