Short credit history (<24 months) looking to get a new travel card
CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* Capitol One Savor $7,000 limit, 12/2024
* Bilt 1.0 -> Wells Fargo Autograph $4.700 limit, 07/2025
* FICO scores with source: Wells Fargo Experian FICO 9 760
* Oldest credit card account age: 21 months
* Cards approved in the past 6 months: 0
* Cards approved in the past 12 months: 0
* Cards approved in the past 24 months: 2
* Annual income $: 110,000
CATEGORIES
* Ok with category-specific cards?: No
* Ok with rotating category cards?: No
* Estimate average monthly spend in the categories below.
* Dining $: 500
* Groceries $: 300 (star market/trader joes)
* Gas $: 0
* Travel $: 300 (flights)
75 (rideshare: uber/lyft)
* Using abroad?: no
* Other categories or stores:
* Other spend: food delivery
* Pay rent by card? Yes, amount and fee: 1500 with 3% fee
MEMBERSHIPS & SUBSCRIPTIONS
* Big bank customer: Chase: Checking + Savings account
PURPOSE
* Purpose of next card: Travel Rewards
* Cards being considered: Chase Sapphire Preferred (pre-approved)/Reserve, Bilt Palladium (pre-approved), Capitol One Venture X (pre approval denied), BoA PRE
ADDITIONAL INFO
I applied for a US Bank altitude connect a couple months ago but the verification process required me to fax my SSN over and i was uncomfortable with that, so ended up not getting the card. hard pull still exists on my application.
My main aim here is to accumulate points to eventually redeem them for big money saving award flights and such.
I also do like the idea of having lounge access so i would prefer to have that but not if its not worth the additional hassle.
Posted Sep 28, 2026, 4:27 AM UTC