I am 22 and looking to get my third credit card. I will be moving and starting a new job at the beginning of September, so my income will change pretty drastically then. I have been utilizing my Chase travel points through the portal, but it seems like that's maybe not the best idea? I also don't know if it's worth going for the whole "Chase Trifecta" or if I should dip into a new ecosystem? Mostly just feeling like I have too many options and getting confused about which would be the best for me!

Also, since I'll be moving soon, I feel like SUB cards would be okay since I'll likely be spending a bit more around the move.

Let me know what you think is the best option! I'd also be happy to answer any questions!

​

CREDIT PROFILE

• Current credit cards you are the primary account holder of:
  
  • Discover IT Student Chrome, $6,350 limit, 02/2019
  • Chase Freedom Flex, $7,400 limit, 09/2021
  • I am also an authorized user on my mom's AMEX account with my own Blue Cash Everyday that has a $30,000 limit or something like that.
• FICO Scores with source: Transunion 766 (According to Discover Scorecard
• Oldest credit card account age with you as primary name on the account: 3 years, 5 months
• Number of personal credit cards approved for in the past 6 months: 0
• Number of personal credit cards approved for in the past 12 months: 1
• Number of personal credit cards approved for in the past 24 months: 1
• Annual income $: Currently around $20,000-$25,000 after tax, but starting a new job in September and my income will then be around $90,000 after tax

CATEGORIES

• OK with category-specific cards?: YES
• OK with rotating category cards?: YES
• Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
  • Dining $: 150-200
  • Groceries $: With my partner, aiming for around 300-400 a month.
  • Gas $: 100-125? (This is truly a rough estimate. I drive a fuel efficient car, but I have no clue how much or how little I'll be driving when I move for the new job.)
  • Travel $: 250-300 (Trying to live frugally for right now, so definitely won't be spending a ton on travel, but still want to visit home and such)
  • Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No
  • Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): Online shopping ~$200, sometimes more. Shop regularly on Amazon, too.
  • Any other significant, regular credit card spend you didn't include above?: Not currently
  • Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: Do not know yet, but my partner and I are aiming for a rent budget of under $1,900.

MEMBERSHIPS

• Current member of Amazon Prime, Costco, Sam's Club, or a Verizon postpaid customer?: Amazon Prime
• Current member of Chase, US Bank or any other big bank?: SoFi
• Active US military?: No
• Are you open to Business Cards?: Possibly

PURPOSE

• What's the purpose of your next card (choose ONE)?: Third card, want to be saving money and possibly building travel rewards. Cash back is cool too. Just trying to build profile and save money where I can. (first credit card, balance transfer, saving money, travel rewards)
  • If you answered "travel rewards", do you have a preferred airline and/or hotel chain?: Not currently, but open to it. Would probably choose Delta or maybe JetBlue
• Do you have any cards you've been looking at?
  • Chase: Sapphire Preferred (Has been recommended as a good travel rewards card if you have a Freedom card), Freedom Unlimited (Maybe good to get a standard 1.5 on everything to use alongside the rotating categories), Prime Card
  • AMEX: Blue Cash Preferred (I like the 6% back on groceries), Gold Card (Points at grocery stores and dining out, maybe good to get into AMEX ecosystem? )
  • Wells Fargo: Active Cash (good 2% back card?), Autograph
  • Citi: Custom Cash, Double Cash (not sure if this, WF Active Cash, or CFU would be best?)
  • Bank of America: Customized Cash Rewards (My partner has this and the online shopping category reward seems like maybe a good fit for me)
  • SoFi Card (I already bank with them, 3% for a year)
  • Very open to other suggestions!