Which ecosystem should I dive more into?

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Started my credit journey 7 months ago with the discover it student card, turning 20 in a few weeks, currently in college. I opened a Walmart card in June because I wanted the sign up bonus for something I was buying, don’t plan on ever using it again.

Anyway, I want to get into the points and miles game to get more value and travel, but with inflation and price increases, maybe cash back would be better? There’s a lot of options out there and it’s very confusing. Was mainly looking into whether I should get the C1 Savor or Chase cards, and then hold onto the rewards until I can convert them into miles. Also considering RH gold.

Any advice would be much appreciated.

Posted Aug 10, 2026, 4:13 PM UTC

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