u/EnvironmentalAsk2603

Currently holding Roger’s WE red card since I have monthly phone bill, and TD basic cash back card (oldest card).

Spending a lot and wanting to accumulate TRAVEL benefits to fly internationally. Maxing out cards and paying off immediately, but know that is bad for credit bcuz utilization. Not sure if having several CC’s is best option?

Spending roughly 5000-6000/month, reimbursed from work:
- 1500-2000/m car rental
- 2000-2500 in hotel (usually through Expedia/airbnb)
- 300/m gas
- 1300/m in restaurant/grocery

25yrs old with ~700 credit score making ~100k/year.

Looking for help finding the best way to take advantage of this spending.