I will be starting to travel internationally for work and need to get a new CC that helps me maximize travel rewards. I currently have the Delta Gold AMEX and I find the SkyMiles system difficult to navigate and the miles too expensive for the flights I am looking to buy with reward miles. I am very new at this, so I would like to try to get the most information possible.
Current credit cards:
- Delta Gold Amex: $18,700
- Bank of America Alaska Airlines: $9,500
- Bank of America Reward: $16,500
- FICO Scores with source:
- Equifax, 750
- Transunion, 750
Oldest credit card account age with you as the primary name on the account:
- 7 years, 7 months
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: 0
Number of personal credit cards approved for in the past 24 months: 1
Annual income $:
OK with category-specific cards?: Yes
OK with rotating category cards?: Yes
Estimate average monthly spend in the categories below:
- Rent: $1,000
- Dining: $150
- Groceries: $400
- Gas: $200
- Car insurance: $150
- Miscellaneous spending: $400
Do you plan on using this card abroad for a significant length of time (e.g. study abroad, digital nomad, expat)?: Yes
Other categories or stores with significant, regular spend (e.g. public transit, phone/internet, office supply stores, Amazon): Verizon?
Current member of Amazon Prime, Costco, Sam's Club?: Amazon, Costco, and Sam's Club
Current member of Chase, US Bank or any other big bank?: BofA
Active US military?: No
Are you open to Business Cards?: No
What's the purpose of your next card?:
Travel rewards - airfare mainly
If looking for a rewards card, do you prefer cash back or travel points/miles?
Do you have any cards you've been looking at?
Chase Sapphire Preferred, Chase Sapphire Reserve, AMEX Gold
I have been advised not to carry AMEX--some of the most remote locations where we will be traveling only take Visa and Mastercard
For reference, I will likely be traveling internationally 5-6 times/year.
My credit score recently took a bit of a beating as I just financed a new car, so I understand I might not qualify for some of the most elite cards, but I never carry a balance. I am also not sure whether paying the exorbitant annual fees are worth the perks to me at this point.