I am looking for a new credit card. I will not be renewing my Amex Green as I feel there are better options out there. I already have had the Amex Gold and downgraded to the green after the AF increase. At this point I won’t use the credits so I don’t want to go back. I also don’t think I want to bite the bullet on the Platinum yet as I don’t think it makes sense.
Right now I currently use my business plus for almost everything except for dining. My 2 cash back cards either aren’t worth sacrificing the points or aren’t typical categories that I spend in. What I have been leaning towards and think will fit me best is something that gives me some airline benefits at an affordable price. I book about 2 flights per year and because I live in the Minneapolis area Delta is the preferred and most accessible airline. I am intrigued by their free bag policy with their Amex cards. I also plan on redeeming a chunk of my Amex points soon on a flight so if there is a card that helps me be more efficient with point redemption I would be curious to look into that.
I am open to all cards but have more of a bias towards points rather than cash back. I also would prefer a personal card but open to whatever is best. I am intrigued to hear what people recommend as I am open to anything. Thanks
Age: 24
Current cards:
- Discover IT
: 6 years 4 months. $4700 limit
- Bank of America Customized Cash Rewards
: 5 years 2 months. $5000 limit
- Amex Green
: 2 years. No limit
- Amex Business Plus
: 11 months. $10000 limit
Fico Score: 819
Oldest Account: 6 years 4 months
Average age of accounts: 4 years 2 month
Chase 5/24 status: 2/24
Income: $90,000
Average monthly spend:
- Gas: 300
- Grocery: 150
- Dining: 100
- Miscellaneous: 250
Business cards: open to it but prefer not
Purpose: Travel and point redemption.
Cards I have looked at: Amex Delta Gold, Chase sapphire preferred
Categories: I am not a huge fan of revolving categories because I mainly forget to activate them and use them but understand they do have the replace. I would prefer to avoid them if possible