Card Rec, CSP or AMEX Gold

in steem •  6 months ago 

I'm torn between keeping open the Amex Gold, which is my first credit card, or closing it and going with the CSP. The annual fee of $250, and probably increasing, does make me rethink it. Along with the CFU/ CSP duo I think it could work pretty well and I could keep with the hybrid cash back and some points. I plan on closing the VX in December because of many many issues with capital one in general along with not traveling enough. I am open to other recommendations as well. I do have way more general everyday spend than what is listed below.

CREDIT PROFILE:

  • Chase Freedom Unlimited $6500 limit, 09/23
  • C1 VX $20,000 limit, 12/23
  • Amex Blue Cash Preferred $15000 limit, 08/22
  • Amex Gold 11/21
  • FICO Scores with source : Experian 721
  • Oldest credit card account age with you as primary name on the account: 2 years 5 months
  • Annual income $: $60000
  • Inquiries: 0/6, 4/12
  • * 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: 2
  • * Number of personal credit cards approved for in the past 24 months: 2

CATEGORIES

  • * OK with category-specific cards?: No
  • * OK with rotating category cards?: No
  • * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
    • * Dining $: 300
    • * Groceries $: 150
    • * Gas $: 200 plus
    • * Travel $: Tolls ($100) some hotel getaway's and maybe 1 flight a year.
    • * 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): $ storage unit that codes as travel ( on amex at least)

by u/Scm9999
in r/CreditCards

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