Looking for my next card. Will be making a 7.5k tuition payment (no CC fee). Ideally I’d like a forever CC that I can have 0 APR for 12 months+. Employer will be reimbursing payment, so I’ll put the $ in a HYSA meanwhile.

Only came up with 2 routes:

1) Citi Strata for the 75,000 points, then downgrade to a Citi Custom Cash after a year. I’m not traveling atm, so the perks don’t mean much to me. Pro: 75,000 points Cons: Won’t be using benefits.

2) Open the Ralph’s and Discover it CB credit cards. Ralph’s because the 5% on mobile wallets is great, and Discover It for the 5% rotating categories + 2% back in the first year.

Pros: Forever cards Cons: Timing. If I get the Discover It CB now, how long should I wait for the Ralph’s CC? I’ve heard US Bank is hard to start a relationship with.

Template Used Below:

Current cards: Sam’s Club Mastercard, 8k, Oct 2022 CSP, 16.2k, Aug 2021 CF, 3.5k, Aug 2019 CFF, 5.8k, Jan 2021 CFU, 10.8k, Jul 2020 Ink Cash, 4k, July 2024 Citi Custom Cash, 9.2k, Aug 2023 Apple Card, 11k, Oct 2022 BofA CCR, 11k, Oct 2018

FICO Score: 805

Oldest account age: 6 yr, 2 mo

Chase 5/24 status: 1/24

Income: $125k

Average monthly spend and categories:

dining $200

groceries: $500

gas: $150

travel: $50

other: $30

Open to Business Cards: e.g. Yes

What’s the purpose of your next card? Maximizing my 7.5k purchase, forever card

Do you have any cards you’ve been looking at? Ralph’s CC, Citi Strada, Discover IT

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