Looking for an alternative for AMEX Platinum.
CREDIT PROFILE
- * Current credit cards you are the primary account holder of: (list cards, limits, opening date): (example: Chase Freedom $X,XXX limit, 12/2019 - be sure to mention if any are business cards) Navy Fed Visa Platinum $15,500 02/2018 (considering closing), Citi government travel card $5,000, AMEX Platinum and Gold (tied to the same account) At least $15,000 or a lot more 2021, Best Buy CBNA $3,000 20?? (considering closing), Synchrony Bank/a furniture loan $6,000 2020 (didnt know this was still open, i should close this), Synchrony Bank/Mathis brothers $3,820 02/2024
- * FICO Scores with source: Experian 704, Mission: Credit Confidence 717, AMEX FICOSCORE8 704
- * Oldest credit card account age with you as primary name on the account: Navy Federal Visa Platinum (I plan on closing this one soon because I never use it and navy federals credit simulator says my credit will increase if I do close it.)
- * Annual income $: I make about $100,000, wife makes around $35,000. Currently have around $150k invested with Edward Jones.
CATEGORIES
- * OK with category-specific cards?: Yes
- * OK with rotating category cards?: As long as it auto selects which category for me.
- * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
- * Dining $: ~$200
- * Groceries $: ~$300 We live close to a Walmart but do not mind shopping somewhere else, we have all the big names in our city.
- * Gas $: With the Amex, we take advantage of free Walmart+ and use their gas stations, but only for 1 car because other is electric.
- * Travel $: Virtually $0, if any travel is done, most of the time it is by car, and we dont travel a lot. Maybe once a year if that. When we do travel, we use AMEX points to cover almost everything.
- * Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No
- * Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): $ Verizon phone bill, Amazon, streaming services, Walmart, Target, Petsmart,
- * Any other significant, regular credit card spend you didn't include above?: I typically pay for everything through the AMEX, and pay it off.
- * Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: $ I have a mortgage, but It may be possible, I havent looked.
MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)
- * Current member of Amazon Prime?: Yes
- * Current Verizon postpaid customer?: I dont believe so, I have Verizon, but I think its a normal plan.
- * Current member of Costco or Sam's Club?: No, but willing to be.
- * Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services?: Yes, currently paid for by the AMEX
- * Current member of Chase, US Bank or any other big bank?: Just Navy Fed.
- * Active US military?: Was, but now just ANG, so I pay for the AMEX now.
- * Are you open to Business Cards?: No
PURPOSE
- * What's the purpose of your next card (choose ONE)?: Saving money, earning rewards, benefits.
- * Do you have any cards you've been looking at?: Citi Custom Cash, U.S. Bank Cash+ (this one confuses me but seems like a good option) Captipal One Savor, Chase Sapphire Preferred and Reserve, U.S. Bank Smartly, Robinhood Gold Card.
Some more background on my situation; I dont know if AMEX platinum is right for me now that I have to pay, but I like the benefits from it. But i dont use every benefit it offers (such as travel or some of the shopping coupons) and would like a card that gives benefits and cashback/points, but isnt focused on travel.
I dont mind paying any fees so long as I get my money's worth.
I currently have a little over 100k AMEX points i'll need to use unless I can somehow transfer them to another card.
Also, does my current Visa Platinum get 5% on gas, or is mine different from this Visa Platinum ?