It is required that you use this template if you post asking for new card recommendations. This is especially important for category spending. It's also important to include your current cards because you may be able to PC (product change) one of them to a much better card, saving you a hard credit inquiry and unnecessary application. Yes, this is a lot of information, but we ask because it's relevant and in some cases truly necessary to prevent you from being denied - plus it will help you get the best recommendation that suits your spending and lifestyle. If you don't want this information tied with your regular reddit account, post under a throwaway account.
Fill in the following questions. When finished, click the "Generate Template" button. Copy the text or click the "Copy to Clipboard" button. Paste the text into a new post on r/CreditCards.
Press "Next" to begin.
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)
FICO scores with source: (see note on FICO score sources below)
Regarding your FICO score: Credit Karma, Capital One's Credit Wise, Chase's Credit Journey, NerdWallet, and several other sites are not FICO scores and are sadly not useful information. Free FICO scores may be obtained from Experian (never submit payment info). FICO scores that can be obtained using bank accounts (checking/savings or credit should provide access): Bank of America (TransUnion FICO 8), Citi (Equifax BankCard Score 8), First National Bank of Omaha (Experian FICO 9), Wells Fargo (Experian FICO 9), possibly others but be sure to confirm what scoring model you are looking at.
Oldest credit card account age with you as primary name on the account: (do NOT include cards you are an authorized user on)
Number of personal credit cards approved for in the past 6 months:
Number of personal credit cards approved for in the past 12 months:
Number of personal credit cards approved for in the past 24 months:
Annual income $: (Approximations are fine. Accuracy is most important if your income is under $20k. See what counts as income below.)
What counts as income: (Note you may be asked to provide proof. It's against federal law to put false information on a credit card application.)
OK with category-specific cards?: (Answer YES if you're OK using one card for 3% back on groceries and another for 4% on dining)
OK with rotating category cards?: (Answer YES if you're OK using a card that has different bonus categories each quarter, e.g. 5% on gas from Jan - March, then 5% on groceries April - June)
For the next questions, estimate your average monthly spend in each category. Only include what you can pay by credit card.
Estimate average monthly spend in Dining $:
Estimate average monthly spend in Groceries $: (If you buy your groceries at Walmart, Target, Costco, Sam's or other wholesale clubs, it's important that you list these amounts separately.)
Estimate average monthly spend in Gas $: (If at Costco or Walmart, please specify)
Estimate average monthly spend in Travel $: (Break it down as much as possible: spend on flights, hotels, Airbnb, car rentals, trains, Lyft/Uber. If you have an annual travel budget, divide by 12 for monthly average.)
Do you plan on using this card abroad for a significant length of time?:
Any other categories or stores with significant, regular credit card spend?: (the more you specify, the better)
Any other significant, regular credit card spend you didn't include above?:
Can pay rent with credit card?
Current member of Amazon Prime?:
Current Verizon postpaid customer?:
Current member of Costco or Sam's Club?:
Currently paying $16.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services?:
Current member of Chase, US Bank or any other big bank?: (Leave blank if not)
Active US military?:
Are you open to business cards?: (these are an option if you have any kind of side gig, such as selling on eBay or Etsy)
What's the purpose of your next card?:
Do you have any cards you've been looking at?:
Submit new post to r/CreditCards and select the flair Card Recommendation Request (Template Used).
v0.1.4 | Updated 06.05.2025