Best credit card for my lifestyle?

Credit

Hello, I’m looking to expand my credit card stack as I’ve recently been able to secure a full-time, permanent job and moved out of my parent’s house!

Here’s the breakdown:

Income: 4.4K monthly after tax

Gas: ~$300 (drive to work)

Groceries: ~$250

Eating out: ~$400

Student loan: ~$200

Bills: ~$300

My monthly spend usually comes to around $2-$2.5K on my credit card per month. What do you recommend as the best one for me? I think both cashback and travel points would be good for me. The only credit card I’ve owned has been the BMO Air Miles credit card but the air miles accumulate so slowly that I just convert it to dream miles to buy bigger purchases here and there.

Posted May 12, 2026, 3:04 PM UTC

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