I’ve been using the same credit card since I started building credit. I’ve always paid it off monthly, so having a particularly “good” card has never really mattered to me.

I’m solidly into the 800s now, and I’m curious if getting a better card would do anything for me. Is it worth looking into getting something different?

Eta: I still plan on using it only for petty purchases and paying it off monthly. Also annual fees are gonna be a pretty hard no for me

Hey Reddit credit card experts!

I'm recently out of college and just started my first full-time job, feeling a bit overwhelmed with all the credit card options out there. Currently, I have a Discover IT and Amex Blue Cash Preferred, but I'm hungry for more rewards and points to fuel my future adventures.

I explored a few options but got stuck:

Bilt Rewards: Seems tempting, but being remote for now, renting isn't on the horizon for the next 7 months.

Amex Gold: Sounds great, but not sure if I can maximize its value for everything.

Chase Sapphire Preferred: Intriguing, but unsure if it aligns with my spending habits. ❓

On top of that, I'm actually contemplating downgrading my Blue Cash Preferred to the Everyday option.

Here's the scoop on me:

Credit Score: 750+ (not bad, right?)

Spending Habits: Groceries, dining, occasional travel (hoping to increase!), streaming services

Goals: Maximize rewards for future travel and everyday purchases

Any advice or recommendations on which card I should aim for next would be golden! I'm open to exploring various options and would love to hear your insights!

Thanks in advance, fellow credit card enthusiasts!

Hey everyone! I am looking for a good credit card with a limit of around 3k-5k. I want one specifically and only for pet emergencies and to add pet insurance to - to keep active.

I currently have a chime credit builder account, and have built my credit with that, and several loans with perfect pay off history. One of them being a 20k car I’ve never made a late payment on. My credit history is only 2.5 years and I make 36k-40k a year depending on my work load.

I’m unsure if my request is unreasonable. I do get about 10,000 offers in the mail a day for up to 7.5k saying I qualify. But I also know that’s just marketing.

I’ve been nervous about a “real” credit card so I’ve held off until I felt I was ready.

I’m looking for any advice, info, and suggestions. No judgement please. I don’t have parents to teach me this stuff so everything I know was all on me to research.

UPDATE: I applied for chase freedom unlimited. I got denied discovery for their most basic credit card. So fingers crossed on chase. Im also kinda dumb. I forgot care credit was a thing.. so applied there and got a $3,300 limit specifically for vet emergencies that works hand in hand with my pet insurance.

So if I get the chase, I’ll use it for gas & small purchases only and pay off immediately just to add to my credit score and history.

Thank you all for your help!