Looking mainly for a card to start getting points/rewards out of. All cards listed have a zero balance on them aside from the Apple Card ($1,000 balance) and the Amazon Card (active but no current balance). I typically use my debit card for most of my purchases and would like to get more rewards and use CCs to my advantage.
We are also looking to start traveling more, which is why we are looking at the three cards I listed previously. We are specifically looking to travel to Japan, Hawaii, Italy, Iceland, and Europe.
Another question I have is what do I do with my two AMEXs? I really only hold on to them for emergencies, and I rarely put anything on them. I’m actually surprised they haven’t been closed already.
Thanks!
CREDIT PROFILE
- Current credit cards you are the primary account holder of:
- USAA AMEX $21,400, 15+ years
- Hawaiian Airlines Mastercard $11,100, 10+ years
- Delta Skymiles Gold AMEX $12,500, 15+ years
- Amazon Prime Store Card $3,600, 10+ years
- Apple Card $13,250, 3/2020
- FICO scores with source: Transunion 805, Experian 812
- Oldest credit card account age: 15+ years
- Cards approved in the past 6 months: 0
- Cards approved in the past 12 months: 0
- Cards approved in the past 24 months: 0
- Annual income $: $141,200
CATEGORIES
- Ok with category-specific cards?: Yes
- Ok with rotating category cards?: Yes
- Estimate average monthly spend in the categories below.
- Dining $: 1000
- Groceries $: $800 (Costco), $300-200 (Safeway)
- Gas $: $250 (Costco primarily)
- Travel $: $100
- Using abroad?: No
- Other categories or stores:
- Other spend:
- Pay rent by card? No
MEMBERSHIPS & SUBSCRIPTIONS
- Amazon Prime member: Yes
- Costco or Sam's Club member: Costco
- Big bank customer: Chase, USAA
PURPOSE
- Purpose of next card: Travel Rewards
- Cards being considered: Chase Sapphire Reserve, Venture X Rewards, AMEX Platinum
Looking for a new travel card and advice on old cards
byu/calpolysyllabus inCreditCards
Posted by calpolysyllabus