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Hi!
I'm looking to get another credit card because there's a couple of upcoming trips: one or two domestic, and one international (US - Hong Kong). Also want to treat my mom to a nice trip when she comes to visit in summer of 2024 (business class flight roundtrip US - hong kong, nice hotels etc).
Based on the info below, what do you think would make sense?
CREDIT PROFILE
- Current cards:
- Chase Sapphire Preferred, $12,200 limit, August 2022
- Citibank Thankyou Preferred, $2,600 limit, September 2016
- Apple card, $6,500 limit, November 2022
- FICO Score: 740
- Oldest account age: 6 years 4 months
- * Number of personal credit cards approved for in the past 6 months: 2
- * Number of personal credit cards approved for in the past 12 months: 2
- * Number of personal credit cards approved for in the past 24 months: 2
- Income: $80,000
CATEGORIES
- * OK with category-specific cards?: YES
- * OK with rotating category cards?: YES
- * Estimate average monthly spend in the categories below.
- * Dining $: $800 ~ 900
- * Groceries $: $250 (mostly wegmans)
- *shopping: $800 (mostly for clothes, skincare etc; went a little crazy during the holiday szn, but def looking to cut back)
- * Travel $:
- in 2022, about 3 ~ 4 domestic flights and bus trips along with hotel stays, totaling about $1600; one international flight $2700
- also booking a 2-month rental on airbnb about $10,000 in the next few weeks
- uber/lyft: not really using it, b/c I'm in a remote area and cars take forever to come
- * Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: yes
- * Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better):
- netflix: $16.99
- apple music: $5.99
- * Any other significant, regular credit card spend you didn't include above?: $
- * Can you pay rent by credit card? NO
MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)
- * Current member of Amazon Prime?: NO
- * Current Verizon postpaid customer?: NO
- * Current member of Costco or Sam's Club? NO
- * Currently paying $13.99/month or more for Disney Bundle (Disney / Hulu / EPSN ) or other Hulu services? NO
- * Current member of Chase, US Bank or any other big bank?: Chase
- * Active US military?: NO
- * Are you open to Business Cards?: YES if i can finesse it
PURPOSE
- * What's the purpose of your next card (choose ONE)?: travel rewards
- * If you answered "travel rewards", do you have a preferred airline and/or hotel chain? Not really, I usually fly Cathay Pacific for my international trip, but other airlines would be fine too
- * Do you have any cards you've been looking at? Amex, or Chase Freedom Unlimited/flex to round out the chase system
Thanks so much for your help!!
Since dining is your biggest expense, I would go with the Chase freedom unlimited or Chase freedom flex. Both are good options. When you go abroad just use your sapphire card, as the CFU and Flex cards carry a 3% international transaction fee
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- 1 year ago
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