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r/CreditCards • … • u/Redelves

Second credit card recommendation

Wanting to get a second credit card to maximize yearly rewards a little bit better

Current card: Costco Citi card, limit 8k, open since 2017

FICO score: 780-800 ish

Oldest account age: 7 years 6 months

Income: ~105-115k

Average monthly spend: ~4500k, unsure of exact category breakdown but aside from rent/bills biggest categories are shopping/food

Cards I’ve been looking at: honestly a little overwhelmed, kinda eyeing the SoFi card since I have debit through them but they don’t seem to have any opening bonus or anything extra that other 2% cards don’t have

Purpose of next card: better maximize rewards, ok with category spending, don’t travel a ton so don’t want a card where the rewards are focused on that

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