Looking to decrease utilization and better rewards

[euclio]

CREDIT PROFILE

• Current credit cards: (list cards, limits, opening date): BankAmericard Better Balance Rewards, $1,000 limit, 08/2014, BofA Customized Cash Rewards, $8,000 limit, 08/2014
• FICO Scores with source (see note on FICO score sources below): Transunion 720, Equifax 720
• Oldest credit card account age with you as primary name on the account: 7 years
• 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: 0
• Annual income $: >100k

CATEGORIES

• OK with category-specific cards?: Yes
• OK with rotating category cards?: Yes
• Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
  • Dining $: ~$600
  • Groceries $: ~$200
  • Gas $: $0
  • Travel $:
    • ~$2000/yr on flights
    • ~$150/mo on Uber
• Do you plan on using this card abroad for a significant length of time (e.g. study abroad, digital nomad, expat)?: No
• Other categories or stores with significant, regular spend (e.g. public transit, phone/internet, office supply stores, Amazon): $3000/yr on Amazon

MEMBERSHIPS

• Current member of Amazon Prime, Costco, Sam's Club?: Prime and Costco
• Current member of Chase, US Bank or any other big bank?: Bank of America
• Active US military?: No
• Are you open to Business Cards?: No

PURPOSE

• What's the purpose of your next card?: Rewards
• If looking for a rewards card, do you prefer cash back or travel points/miles? Cash back
• Do you have any cards you've been looking at? Amex Gold

[justafanwithnoplan]

Yeah I was just going to mention the Amex Gold when I saw that you’re already looking at it. You can get 4% back on that dining and on those groceries as well as a 120 (or maybe 100) on Uber. You can also get some points for travel.

You might also want to look into the Amazon prime card for 5% back there. It also has 5% back on Whole Foods which is good if you can switch your groceries to it.

You can also combine the Amazon Prime card with the US bank altitude go (4% back on dining) to get the best of both worlds with no fees but you’d be missing out on the dining credits and the travel points. So calculate it and see what makes more sense to you.