u/Ancient-Industry5126

CREDIT PROFILE

• * Current credit cards you are the primary account holder of: (list cards, limits, opening date): Chase Freedom OG, Robinhood Gold, Paypal Debit
• * FICO Scores with source (see note on FICO score sources below): 680 (lower because of a minor missed payment a while ago, recovering just fine
• * Oldest credit card account age with you as primary name on the account: 5 years, 8 months
• * Number of personal credit cards approved for in the past 6 months: 1
• * Number of personal credit cards approved for in the past 12 months: 1
• * Number of personal credit cards approved for in the past 24 months: 1
• * Annual income: $40,000

CATEGORIES

• * OK with category-specific cards?: Yes, travel
• * OK with rotating category cards?: No, the Freedom Flex is mostly redundant and I'm holding off on Discover It and it's sub in case RG gets nerfed
• * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
  • * Dining: $120
  • * Groceries: Around $110 at legit grocery stores, closer to $150 if accounting for Target/convenience stores which code for Paypal debit
  • * Gas: N/A
  • * Travel: $1500 annually
  • * Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No
  • * Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): Up to $100 a month on Amazon
  • * Any other significant, regular credit card spend you didn't include above?: Various bills and non-category purchases puts my monthly CC bill around $650, spiking near $800 during the holiday months.
  • * Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: $1650, 3.25%

MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)

• * Current member of Amazon Prime?: Yes
• * Current Verizon postpaid customer?: No
• * Current member of Costco or Sam's Club?: No
• * Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services?: No
• * Current member of Chase, US Bank or any other big bank?: Navy Federal, Fidelity
• * Are you or your spouse active US military?: Yes-ish
• * Are you open to Business Cards?: No

PURPOSE

• * What's the purpose of your next card (choose ONE)?: travel rewards. My bugaboo is that travel spending is very mixed between Amtrak, flying, Lyft, and public transport. My nearest airports are pretty much United hubs and their CCs would make its pricing more competitive with Amtrak (free checked bag)
• * Do you have any cards you've been looking at?: Amex Green, United/Amtrak cards

I am AF Reserves and will be going temporarily active for a month, during which AFs will be waived by the usual issuers. However I don't want to just YOLO on Amex Gold or Chase Sapphire because there is no way I can hit those SUBs. I can artificially inflate my spending to hit any $3000 in 3 months requirements through minimal direct cost myself (thanks DoD budget) but I would prefer a zero-APR period in that case.