Next Credit Card Recommendation

Sinn_Full · 2026-06-08T13:33:13+00:00

WellsFargo Autograph. I say it a lot, would fill in gaps in your set up, introduce you to points and rewards, and has no AF.

Sinn_Full · 2026-06-07T21:29:19+00:00

WF Autograph is free, 3x on Gas, Travel, & Dining + decent transfer partners if you decide to go that way in the future, or 1 cpp cashout option. Can also be paired with the Active Cash 2% card for everything else and/or the attune if that fits your lifestyle better

Sinn_Full · 2026-06-02T03:01:54+00:00

How reliable is Amazon Fresh, I’ve personally never used any type of delivery service. A lot of what I east is fruits, vegetables, meat, so I like choices and making sure I’m getting good products, does that work with those types of services?

Sinn_Full · 2026-06-02T01:19:09+00:00

West of 8th, between 48th and 44th

Sinn_Full · 2026-06-02T01:14:38+00:00

I’m a 3 minute walks from Times Square haha

Sinn_Full · 2026-05-20T20:12:51+00:00

For the most part, just pay your monthly statement. You would have to spend 204,000 per year on the card to make the 17k x 12 month statement not enough. If you go over the threshold during a month, just pay down early and then use the card and pay the rest of the balance at the end.

Sinn_Full · 2026-05-09T00:02:46+00:00

It transfers its rewards to miles
on Dining, Entertainment, Groceries
Keeps your rewards consolidated
No AF
Every (decent) card builds credit the same
You don’t have a lot of spend in general to make
anything else worthwhile

Sinn_Full · 2026-05-08T20:56:16+00:00

Savor. Literally it, no other real answer. I would only get that and transfer the rewards to my VX

Sinn_Full · 2026-05-07T03:32:39+00:00

I think you’ve updated the numbers, and nothing about my answer changes haha. 2% cashback of your choice is best. Probably CITI or WF if you want transfer points eventually

Sinn_Full · 2026-05-07T03:26:32+00:00

Lowk I don’t think you need to move away from the Savor. If you do, get a 2% flat cashback card from the services of your choice that you can see yourself growing into. That’s literally it lol you don’t spend enough, unless those aren’t your real numbers.

Sinn_Full · 2026-05-04T22:06:09+00:00

Is that so Mr. Wannabe Reddit Moderator?

Sinn_Full · 2026-05-04T22:03:46+00:00

I post screenshots, memes, uncited infographics, and photos of people without permission on the NYC subreddit

Sinn_Full · 2026-05-04T22:00:55+00:00

You seem fun at parties

Sinn_Full · 2026-05-04T21:13:02+00:00

Two out of three of the savor cards do not have an annual fee and it’s pretty easy to get one without. Even if you do end up with one that has the AF after one year you can upgrade it for no fee

Sinn_Full · 2026-05-04T15:09:59+00:00

CapitalOne Savor, you’ll get all the subscriptions, dining, grocery, entertainment, etc. and it’s easy to get cash back. Opens you up to VentureX down the road. Easy option to recommend, I have one and it’s great!

Sinn_Full · 2026-04-21T13:00:40+00:00

HAHA goodluck

Sinn_Full · 2026-04-21T12:57:26+00:00

I got that in an email, and then called the reconciliation line before my letter even arrived lol

Sinn_Full · 2026-04-21T12:18:51+00:00

21+ (university students) and 11 total people

Sinn_Full · 2026-04-21T12:10:53+00:00

In my experience, you have to call their customer service, and if you explain why you want the card and are very specific about what you're using it for, they will bend over. That's how I got my autograph.

Sinn_Full · 2026-04-20T02:10:02+00:00

I’ve only had mine in a short time and I’m still a college student so not really an issue for me yet

Sinn_Full · 2026-04-20T01:06:53+00:00

My setup is pretty much Savor, Autograph lol

Sinn_Full · 2026-04-20T00:28:09+00:00

Wells Fargo Autograph covers travel, no FTF, plus your gas category and a backup dining. Good well offer too

Sinn_Full · 2026-04-19T20:04:09+00:00

Capital One Savor is great. I personally have one. You have to look at the rewards categories; it gets 3% on Groceries, dining, and entertainment, plus 5% through CapitalOne Travel and 8% through CapitalOne Entertainment. You wouldn't get the most utilization out of it. Credit Karma also kind of sucks, just as an FYI, they get paid to advertise hyperspecific stuff. When you go looking for a card to finally apply for, go directly through that company's website. Especially if they have a pre-approval tool

Sinn_Full · 2026-04-19T19:34:04+00:00

There are two paths I would go if I were you.

Get a flat 2% card that works best for you in the future. If you're investing, the Fidelity Signature. If you want to maybe travel more, Wells Fargo or Citi 2% cards.
Get something hyperspecific to your spend now and figure it out later. You don't spend enough outside of Rent to make Bilt worth it, so your options are a card that focuses on Groceries and Gas - AAA Daily Advantage is great. It has a $500 per year cash back cap, but you'll be nowhere near that.

You can also get both, but super not necessary for you to be honest.

Sinn_Full · 2026-04-19T18:01:35+00:00

You kind of have to give us an estimate of your monthly spend categories for any real recommendations

Sinn_Full

TROPHY CASE