- Current cards: (list cards, limits, opening date)
- Capital One Savor One $9,500 limit, Aug 2024
- Capital One Quicksilver $15,000 limit, Dec 2016
- Citi Bank Double Cash $17,7500 limit, Nov 2019
- Chase Amazon $20,000 limit, Oct 2020
- Wells Fargo $15,000 limit, Aug 2012
- FICO Score: 800
- Oldest account age: 12 years 2 months
- Chase 5/24 status: 0/24
- Income: $120,000
- Average monthly spend and categories:
- dining $300
- groceries: $300
- gas: $50
- travel: $0
- other: $150
- Open to Business Cards: No
- What’s the purpose of your next card? I’ll be spending around $5-10k on the new house, plus I’m expecting a child soon. Looking for a good intro offer or flat cashback.
- Do you have any cards you’ve been looking at? Received a private offer for Amex Gold (100k points).
- Are you OK with category spending or do you want a general spending card? Category spending is fine.
Interested in cashback cards? Check these out from the sidebar:
Summon me with !cashback
for more info.
If you’re focusing on groceries and gas, AAA has a solid card: AAA Visa Signature Credit Cards
But with a baby on the way, your grocery spending will likely increase. If you’re spending more than $500/month on groceries, the Amex Blue Cash Preferred might be a good option. The annual fee is $95 (waived the first year), but it gives you 6% on groceries and 3% on gas.
For utilities and cell phone bills, the U.S. Bank Cash+ card is solid with 5% on those categories: U.S. Bank Cash+ Visa Signature: Up to 5% Cash Back Rewards
The U.S. Bank Altitude Go card is great for dining rewards.
@Payne
Thanks for the reply. I wasn’t familiar with some of these cards, so I’ll check them out.
Any thoughts on the Amex Gold offer? I’ve seen mixed opinions about it, and the annual fee is $325.
Gracen said:
@Payne
Thanks for the reply. I wasn’t familiar with some of these cards, so I’ll check them out.
Any thoughts on the Amex Gold offer? I’ve seen mixed opinions about it, and the annual fee is $325.
With the Amex Gold, it depends if you can actually use enough of the benefits to make that $325 AF worthwhile. You’ll want to read the benefits page carefully.
@Payne
Yeah, I checked it out. While I could use most of the benefits, I don’t think it’s worth the hassle. The 6% groceries option sounds much better. Thanks again!
Gracen said:
@Payne
Yeah, I checked it out. While I could use most of the benefits, I don’t think it’s worth the hassle. The 6% groceries option sounds much better. Thanks again!
No problem at all… and congratulations on the new baby!
If you’re doing home improvement projects, the Lowe’s card can be helpful. It gives you 5% back at the store, which can be good for tools and garden supplies.