I'm sure this question gets asked a lot, but I was hoping for some advice more specific to my situation. I did some research already, but as someone new to the "credit card world", I am very confused lol.

I am 24 F and I already bank with Chase. I know they have a sapphire preferred card, so that's what I read up on first. But ChatGPT told me to go with Capital One Ventura??? I want to travel at least twice a year. I'll probably be flying both domestically and internationally since I already have a passport and I really just want to get out of my home state.

I have never only stuck to one type of hotel/airline. I usually go with whatever have been the cheapest or closest to the destination that I'm visiting. Sometimes, I'll go to an upscale hotel for special occasions (don't know if that matters or not). I guess I'm looking for a travel credit card that will give me the most benefits since my travel needs vary.

The template:

• Current cards: (list cards, limits, opening date)

  • Discover $5,000 limit, August 2022

• FICO Score: 745

• Oldest account age: 6 years 9 months

• Chase 5/24 status: n/a

• Income: $40,000

• Average monthly spend and categories:

  • dining $200

  • gas: $100

  • travel: $200

  • other: $2000

• Open to Business Cards: No

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

• Do you have any cards you've been looking at? Chase Sapphire

• Are you OK with category spending or do you want a general spending card? Either or