r/CreditCards•
Ogromnyy

Second credit card recommendation for 20 y/o

Card Recommendation Request (Template Used)

I'm a 20 y/o college student finishing up, was looking into getting a second credit card and wanted to hear what you guys recommend.

Current cards: U.S. Bank Cash+ $6,000 Limit

FICO Score: 741

Oldest account age: 2 years and 4 months

Income: $33,000

Average monthly spend and categories:

Food: $400

groceries: $300

gas: $300

Rent: $1,200

School stuff: $500

Recurring Subscriptions (gym, spotify,etc): $200

Posted Apr 8, 2026, 1:02 PM UTC

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