How is my setup? And is Autograph a sleeper?

Discussion / Conversation

Hey all, wanted to get some feedback on my setup. Could it be better, am I missing anything, etc?

Income is $62k, FICO score is about 800

USAA Signature Visa: 14% Apr and $15k credit limit for emergencies

First Entertainment Spotlight: Entertainment (concerts, sports games, etc) and a $10 spending credit. CL is $14,500 and also a low 16% Apr

WF Autograph: Gas, Travel $9000 CL

Bilt Obsidian: Rent, Dining $7000 CL

Amex BCP: Groceries, Streaming $1000 CL

Fidelity Visa: Everyday purchases $500 CL

I don’t really fly often, and almost never stay in hotels. Usually just Airbnbs, etc

Also, why do I feel like my Autograph is one of my strongest cards? I thought WF was one of the “bad” ones? Haha

Posted May 7, 2026, 12:30 PM UTC

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