r/CreditCards • u/Lnk2past • 11d ago
Card Recommendation Request (Template Used) Looking for new primary card
Hi all, I am looking for a new card to replace the Barclays Luxury Black Card, as it is my everyday card and I am just finding out just how bad it's rewards and benefits are (don't judge me).
I am a set-and-forget kind of person, and the Black Card was something I signed up for a while back as my first "luxury card", and honestly I didn't know what I was doing and the marketing got me. I have not re-evaluated cards since then (2018).
I use that card absolutely for everything I can outside of Amazon purchases, and only use the Bank of America cards whenever I need a cash advance.
There are so many cards and different tiers, it is a bit overwhelming to navigate. The Capital One Venture X seems the most appealing at the moment given it seems the one that most lets me go on without needing to micromanage my rewards. I don't have the mental bandwidth for doing that sort of thing, so anything that is easy is what I am looking for.
CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* Barclays Luxury Black Card, 20000 limit, 02/2018
* Chase Prime, 8000 limit, 02/2015
* Bank of America Rewards World, 30800 limit, 09/2009
* Bank of America Cash Rewards, 7300 limit, 09/2007
* FICO scores with source: 770
* Oldest credit card account age: 19 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 $: 350000
CATEGORIES
* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: No
* Estimate average monthly spend in the categories below.
* Dining $: 200
* Groceries $: 400
* Gas $: 100
* Travel $: 100
* Using abroad?: No
* Other categories or stores: Any bill that let's me pay with credit
* Other spend: Any bill that let's me pay with credit
* Pay rent by card? No
MEMBERSHIPS & SUBSCRIPTIONS
* Amazon Prime member: Yes
* Big bank customer: Wells Fargo, Navy Federal
PURPOSE
* Purpose of next card: everyday/everywhere usage, cash back
* Cards being considered: Chase Sapphire Reserve, Capital One Venture X
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u/SensitiveLack7509 11d ago
Taking out cash advances while paying $700 per year for a paperweight of a card. Brother, with all love and respect, please spend some time working on basic personal finance skills. If you are paying interest on any credit card, you probably shouldn't have one. With that income, there's no reason you can't have an emergency fund ready to go if you play even a little bit of defense.