I feel like I’m always switching cards chasing points, cash back, or sign-up bonuses, but I’m wondering, what cards do people actually stick with for years?

For context, I travel a couple times a year, like some dining perks, and care about no foreign transaction fees. I’ve tried a few premium rewards cards, but I often end up not using all the perks.

Which cards have you found worth holding onto, even after the initial bonuses are gone? What makes them worth it for you?

I need help figuring out what credit card works best for me and my situation. I don't have much knowledge when it comes to credit cards. I tend to look for advice on different cards then get overwhelmed and end up not applying at all.

Some background info: I am 23 years old, work full-time, and am debt-free. I currently live at home (pay no rent), only pay the phone bill, and travel about 2-3 times a year (hoping to do it more often). I live in a small town. I have a bank account through my local bank and savings through Discover. I have a large amount saved in my savings account (if that plays into my income). I applied for a rewards credit card through my bank in April and was declined. I don't mind paying a credit card annual fee if I get good enough rewards.

Current cards:

• Visa Platinum College Real Rewards Card $1000 (I was approved of a credit limit increase as of 12/1 after updating my income), August 2020

• FICO Score: 728

• Oldest account age: 4 years and 3 months

• Chase 5/24 status: 0/24

• Income: 80,000 (gross) and 58,000 (net)

• Average monthly spend and categories:

  • dining $200-400

  • groceries: $300 (I tend to shop at Walmart and Hy-vee)

  • gas: $60

  • travel: $50-100

  • shopping: $500

  • pet bills: $60

  • phone bill: $100

• Open to Business Cards: e.g. No

• What's the purpose of your next card? Travel, Cashback

  • Capital One Venture Rewards or Capital One Venture X

  • Chase Freedom Unlimited

  • Chase Sapphire Preferred

  • American Express Gold Card

• Are you OK with category spending or do you want a general spending card? I would want a general spending card. I want to transition from using my debit card to using a credit card for its perks.

I am open to hearing any thoughts on my situation and would be grateful for any recommendations! TYIA!

Edit:

Capital One: pre-approved for Quicksilver Rewards, Savor Rewards, Venture Rewards, VentureOne Rewards, Platinum Mastercard, and Venture X.

Chase: pre-approved for Chase Freedom Flex, Chase Freedom Unlimited, Chase Slate Edge, Chase Sapphire Preferred, Chase Sapphire Reserve, Southwest Rapid Rewards Plus, and United Explorer Card.

American Express: pre-approved for American Express Gold.

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