▲ 2
Sorry if this isn't posted in the correct subcategory, but I'm new to using credit and just recently started applying for cards. Any suggestions towards not only building more credit but also getting the best bang for buck out of future cards is appreciated.
- Current cards: (list cards, limits, opening date)
- Navy Federal CashRewards Plus, $5000 limit, opened April 2026 (paid in full)
- Fortiva Retail Card, $1500 limit, opened March 2026 (50% utilization)
- FICO Score: 678 TransUnion
- Oldest account age: Car loan opened 7/2015 and paid off 6/2018 (10 yrs 9 mos)
- Chase 5/24 status: 2
- Income: $48,000
- Average monthly spend and categories:
- dining $500
- groceries: $150
- gas: $0 ... Uber $250
- travel: $0
- other: $400 (primarily Amazon purchases and Streaming services)
- Open to Business Cards: newly formed LLC so yes
- What's the purpose of your next card? cashback rewards, major purchases, building credit
- Do you have any cards you've been looking at? SavorOne and potentially Navy Federal Flagship
- Are you OK with category spending or do you want a general spending card? whichever fits best for primary spend on Uber, Ubereats, Amazon, streaming
u/-Ch4z- — 16 days ago