Hello! I’m looking for a little advice on my next cards. As of right now I think looking for cash back would benefit me the most. The way that spend doesn’t really utilize the rotating category from my discover, so I’m looking to find something a little better. I primarily shop at Walmart/Sams, so I was thinking of signing up for their card and using it for groceries and fuel. Then I was think of getting another cash back card for all other purchases. I plan to start traveling 2-3 times a year starting next year and will probably look into a travel card at that time. I was just curious if on my cash back card that I’m looking to get now if I should be looking to get into a certain eco system or not. For reference as well, I’m in my late 20s and I primarily eat at home. Any advice is appreciated!
• Current cards: (list cards, limits, opening date)
• Discover IT $11,500 Limit
• Apple Card $4200 Limit
• FICO Score: 790
• Oldest account age: . 8 years 7 months
• Income: e.g. $60000
• Average monthly spend and categories:
• dining $100
• groceries: $500
• gas: $160
• travel: 0$ for now
• other: $400
• Open to Business Cards: I don’t have a business
• What's the purpose of your next card? Mainly Cashback and looking for a travel card later this or next.
• Do you have any cards you've been looking at? Sam’s Club Card, Citi double cash, AMEX BC
• Are you OK with category spending or do you want a general spending card? Would rather have a something simple to use.