Card recommendation request for any obvious choice I may be missing out on
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
- Current credit cards you are the primary account holder of:
-
- FICO Scores with source:
- TransUnion 750
- Experian 748
- FICO Scores with source:
-
- Oldest credit card account age with you as primary name on the account:
- 2 years, 3 months
- Oldest credit card account age with you as primary name on the account:
-
- Number of personal credit cards approved for in the past 6 months:
- 0
- Number of personal credit cards approved for in the past 6 months:
-
- Number of personal credit cards approved for in the past 12 months:
- 1
- Number of personal credit cards approved for in the past 12 months:
-
- Number of personal credit cards approved for in the past 24 months:
- 1
- Number of personal credit cards approved for in the past 24 months:
-
- Annual income $:
- $0 (currently student)
- but parents deposit ~$500/month (I am not under 21)
- Annual income $:
CATEGORIES
-
- OK with category-specific cards?:
- YES
- OK with category-specific cards?:
-
- OK with rotating category cards?:
- YES, but would prefer something predictable.
- OK with rotating category cards?:
-
- 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
- Do you plan on using this card abroad for a significant length of time?
-
- Any other categories:
- Amazon/clothing stores: $50
- Any other categories:
-
- Can you pay rent by credit card?:
- NO
- Can you pay rent by credit card?:
-
- Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
MEMBERSHIPS & SUBSCRIPTIONS
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- 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?
- What's the purpose of your next card?
-
- Do you have any cards you've been looking at?
- NO
- Do you have any cards you've been looking at?
Posted Nov 1, 2023, 4:09 PM UTC
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