Hi there, I’ve used the template below with my info. I’m leaning towards a card for points but could be persuaded for cash back if it would be more lucrative with my spending habits.

Current cards: (lists cards, limits, opening dates): * CapitalOne Quicksilver- 8k limit, opened 7 years ago * Ulta Mastercard- 5k limit, opened 5 years ago

• FICO score: 770

• Oldest account age: 7 years

• Chase 5/24 status: 0/24 (last card opened was 5 years ago)

• Income: 70k

• Average monthly spending:

  • Dining: $200
  • Groceries: $250 (Walmart pickup specifically)
  • Gas: $100
  • Travel: $50 (months with a trip will be more but I don’t travel frequently)

  • Other:

    • Shopping (Amazon, Target, clothes, etc.)- $250
    • Tolls- $50
    • Entertainment- $100 (some months higher)

• Open to business cards: No

• What’s the purpose of your next card: Points (would like to maximize my spending on Walmart pickup for groceries and Shopping at Amazon) or Travel card (don’t travel frequently but would like to)

• Do you have any cards you’ve been looking at: Venture X, AMEX Blue Card Everyday (cash back not points), Amazon Prime Card, CapitalOne Walmart card

• Are you okay with category spending or do you want a general spending card: Either is fine