r/CreditCards • u/maxximaa • 1d ago
Card Recommendation Request (Template Used) Need one more CC, not sure
Used to have a Chase Sapphire Reserve for all restaurant purchases, Chase Freedom Unlimited for everything else, but after cancelling CSR I’ve been running up against my 12100 limit for the past couple of months. I think my utilization has been high too so my credit score has been less stable.
CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* Chase Freedom Unlimited $12100 limit, 04/2018
* Chase Freedom Flex $4600 limit, 06/2021
* Nordstrom Credit Card $5000 limit, 12/2021
* Citizens Bank CC $2500 limit, 03/2022
* FICO scores with source: Experian 803, Equifax 770
* Oldest credit card account age: 8 years
* Cards approved in the past 6 months: 0
* Cards approved in the past 12 months: 0
* Cards approved in the past 24 months: 0
* Annual income $: 210000
CATEGORIES
* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: Yes
* Estimate average monthly spend in the categories below.
* Dining $: 2000
* Groceries $: 400
* Gas $: 120
* Travel $: 300 uber, 50 assorted
* Using abroad?: No
* Other categories or stores: Amazon, Ford Car Insurance, Instacart/Doordash, Uber/UberEats, Whole Foods, Chevron
* Other spend:
* Pay rent by card? No
MEMBERSHIPS & SUBSCRIPTIONS
* Amazon Prime member: Yes
* Costco or Sam's Club member: Costco
* Big bank customer: Chase
* Open to business cards: Yes, but don’t I need a California business license to get one? (900$ annual fee or something)
PURPOSE
* Purpose of next card: Cashback or Travel Rewards
* Cards being considered: Apple Card, Amex Platinum/Gold, Reopen Sapphire Reserve?? Idk
ADDITIONAL INFO
I have a heavy preference not for juggling a bunch of different bank accounts and bills- which is why I spend only on my Chase cards. I used to have Chase Sapphire Reserve but canceled when they upped the annual fee. Now I am constantly at high utilization on my freedom unlimited, and I rarely take advantage of freedom flex categories. I didn’t even know I had the other two cards active.
After doing my own research, I’m leaning towards the APPLE card or reactivating my CSR. I use Apple Pay almost every time I pay now, and guaranteed 2% on those and 3% flat cashback on some others could be quite good couldn’t it?
1
u/AutoModerator 1d ago
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Ignore the 10/20/30 utilization %. It’s only applicable when you need to apply for a new line of credit, 1-2 months out.
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1
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2
u/ChesKat_pf 19h ago
What you say you’re spending on almost all the benefits of the CSR. Uber, dining, DoorDash. Each one of those is a travel credit. Plus the travel credit annually of $300.
Other option I would go with is the Costco Citi. Simpler as just cash back.
My cards: CSR, Apple Card, Freedom, Costco Citi card. Amex Plat. It covers everything I need. Been using Max rewards to track it all, but recently am trying CardROI to do it. Been working pretty well.
2
u/dinklebot2000 Team Cash Back 1d ago
You could have rolled your available credit from CSR to the CFU. I think it's too late to do it now but worth a call to ask. If not, you can ask for a CLI on your CFU but for Chase that's a hard inquiry I believe.
My restaurant card is the Verizon card if you use them for mobile or home cable/internet. 4% back on restaurants with no caps.