Current cards: (list cards, limits, opening date)
• Discover IT - $3,000 line - Jan 2024
• Bank of America auto loan - $20,000/$27,000 - Oct 2024
• Oldest account age: 2.5 years
• FICO Score: ~730
• Income: ~$18,000 (may change)
• Average monthly spend and categories:
• dining: \~$100
• groceries: $150
• gas: $200
• shopping: $100
• other: $250
• What's the purpose of your next card?: Building credit, earning miles/points, maximizing spending rewards
• Do you have any cards you've been looking at?: CapitalOne Venture Rewards and VentureOne Rewards
• Are you OK with category spending or do you want a general spending card?: Either. I’m not a huge fan of discovers rotating category rewards multiplier
I am a student and I luckily don’t pay rent or any major things other than a monthly car payment of $485. I spend most of my money at target where I get a lot of my groceries and miscellaneous items and Costco. I eat out about on average 4-6 times/month. I don’t shop super frequently (~5/yr) but when I do I spend ~$300. I travel usually 2-3 times a year but I want to start earning miles/points so when I’m out of school I can travel more. I’m ok with annual fees as long as the card makes it worth it. I also know that chase does a 1:1 points transfer with Hyatt, should I be looking into a chase card?