Card Rec, CSP or AMEX Gold
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