Credit score just peaked at 820. What card should I get?

Help Needed / Question Forum
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My VantageScore 3.0 credit score with Credit Karma just popped from 720 to 820 due to the last of divorce debt falling off. So I am back to looking for the best next thing!

Current lineup is:

  • Alliant FCU: 2.5% catch-all
  • Chase Freedom Flex: Just got this with the 10% grocery SUB, I will max it out.
  • Amex Blue Everyday: Downgraded from BCP when I got the CFF - 3% on gas
  • US Bank Altitude Go: 4% on dining out
  • Chase Prime: Amazon 5%

Places where I am lacking are travel and mobile wallet. I use Google Pay everywhere I can, so anything over 2.5% would be nice. I just prequalified and was approved for Venture X, but I didn’t go through the whole app yet. I was denied last month when my score was 720.

So what do you geniuses got for me? I am always looking for new strategies and appreciate this community!

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> My VantageScore 3.0 credit score with Credit Karma just popped from 720 to 820 due to the last of divorce debt falling off. So I am back to looking for the best next thing!

I’m not looking to take the wind out of your sails and am certainly happy for you that the last debt falling off of your reports… but be aware that VantageScore 3.0 is nearly irrelevant, and you should only concern yourself with meaningful FICO scores.

3

@Renny
Thanks. I get that. And I do appreciate you pointing that out. My FICO scores on my credit card websites haven’t updated yet. I guess I jumped the gun.

4

Ansel said:
@Renny
Thanks. I get that. And I do appreciate you pointing that out. My FICO scores on my credit card websites haven’t updated yet. I guess I jumped the gun.

You can grab a couple of free FICO 8 scores at creditscore.com and myfico.com if you’d like to see where those stand.

5

I think the US Bank Altitude Reserve would be a great choice. It’s 3x cash back on all Mobile Wallet purchases, but if you redeem the points for travel it’s 4.5x with an effective AF of 75 dollars and has lounge access as well (AF $400 - Travel credit $325).

If you get this card, pairing it with the Venture X in the future is a great combo IMO.

6

@Cairo
Just to throw in some breakpoint information: If you don’t take into account the 4.5% cpp redemption, after using the $325 travel/dining credits, you need to spend $2,500 in mobile wallet payments.

7

@Kase
This is important information. Thank you!

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Ansel said:
@Kase
This is important information. Thank you!

Lmao why was this downvoted? Ahhh good ol’ Reddit.

9

US Bank Cash+: 5% back on two categories like utilities and internet is pretty nice.

  1. You don’t have to carry it around or manage it once you set it up with autopay.
  2. 5% back on utilities, which is probably one of your bigger expenses.

In short, it’s easy to use and covers rare categories with high cashback.

10

@PointsPro2
Excellent. Thank you!

11

Chase Sapphire Reserve

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Fill out the !template for more precise responses.

13

Tristan said:
Fill out the !template for more precise responses.

Template for Card Recommendation Requests:

Please use the following template so that everyone can make appropriate recommendations:

  • Current cards: (list cards, limits, opening date)
    • e.g. Amex BCP $8,000 limit, May 2019
    • e.g. Chase Freedom Flex $10,000 limit, June 2021
  • FICO Score: e.g. 750
  • Oldest account age: e.g. 5 years 6 months
  • Chase 5/24 status: e.g. 2/24
  • Income: e.g. $80,000
  • Average monthly spend and categories:
    • dining $800
    • groceries: $400
    • gas: $100
    • travel: $100
    • other: $30
  • Open to Business Cards: e.g. No
  • What’s the purpose of your next card? e.g. Building credit, Balance transfer, Travel, Cashback
  • Do you have any cards you’ve been looking at? e.g. Chase Freedom Unlimited
  • Are you OK with category spending, or do you want a general spending card?

Interested in cashback cards? Take a look at these resources from the sidebar:

14

Amex Blue for sure.

15

irmah said:
Amex Blue for sure.

Cool. I will add a couple more and make it rain blue plastic.

16

Ansel said:

irmah said:
Amex Blue for sure.

Cool. I will add a couple more and make it rain blue plastic.

The send/split feature is a game changer.