r/CreditCards•
wallbarri

Card recommendation request for any obvious choice I may be missing out on

Card Recommendation Request (Template Used)

Graduating next calendar year and would like to build up my credit before then. Mainly looking for a good rewards card, will probably spend the most on restaurants.

I don't think I made the best decision with getting my latest card (CFU, I got this because many food options near me did not accept my Discover card), so I would appreciate any suggestions.

CREDIT PROFILE

    • Current credit cards you are the primary account holder of:
      • Discover it $2,800 limit, 7/2021
      • Chase Freedom Unlimited $1,000 limit, 4/2023
    • FICO Scores with source:
      • TransUnion 750
      • Experian 748
    • Oldest credit card account age with you as primary name on the account:
      • 2 years, 3 months
    • Number of personal credit cards approved for in the past 6 months:
      • 0
    • 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 $:
      • $0 (currently student)
      • but parents deposit ~$500/month (I am not under 21)

CATEGORIES

    • OK with category-specific cards?:
      • YES
    • OK with rotating category cards?:
      • YES, but would prefer something predictable.
    • Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
        • Dining $: 260
        • Groceries $: 60
        • Do you plan on using this card abroad for a significant length of time?
          • NO
        • Any other categories:
          • Amazon/clothing stores: $50
        • Can you pay rent by credit card?:
          • NO

MEMBERSHIPS & SUBSCRIPTIONS

    • Current member of Costco
    • Current member of Chase, US Bank or any other big bank?: BoA, Discover

PURPOSE

    • What's the purpose of your next card?
      • Would like to build up credit history before I graduate and start working next year. Also don't know what a good card to get is, rewards-wise. Don't think the Chase Freedom Unlimited was the best decision. Any obvious additions I should try to get?
    • Do you have any cards you've been looking at?
      • NO

Posted Nov 1, 2023, 4:09 PM UTC

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