The info provided is kinda vague. The spend amount helps but what specific categories does the spend fall under and how much for each category? How much for non-category spend?
No one wants to pay AF's but don't just look at AF's and always consider total cost/benefit. To do that you need to run the numbers for your spend for any cards you're considering.
Travel rewards is also very vague. Wanting to travel doesn't mean that a points or miles based program is a best fit. Again, that requires running numbers for one's spend and considering the specifics of a given rewards program to determine whether or not one could maximize point/mile value -- especially when it comes to redemptions. I do find Chase's UR program to be an excellent fit for me but I wouldn't just blindly recommend UR cards to everyone.
However, with that level of spend I'd guess that a cash back card would probably be a better fit. Running the numbers for cash back is very straightforward. A 2% card would yield $160-200 on $8K to 10K of spend. The Citi DoubleCash isn't a Visa but MasterCard's acceptance is very similar. If you can provide spend category data we can look at whether or not a card that offers a higher earn rate on specific categories would be a better fit for you.
useroh wrote:I am closing out the CapOne -- have never really been satisfied with them.
Why not? This would also help us understand what you're not looking for.
useroh wrote:My FICO is 790
Keep in mind that you don't have just one score. FICO 8 may be the most commonly used FICO model but there are card issuing creditors that use other FICO models. Typically for a given model you have a score with each CRA. Where are you getting this score from? What model is it? What CRA was used as a data source? Have you ever checked on scores based on data from the other 2 major CRA's?