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Am I Ready for Rewards Cards?

An honest assessment. We'll tell you if now is the right time—or what to work on first.

Question 1 of 8

Do you currently carry a balance on any credit cards?

NeverI always pay my full statement balance RarelyMaybe once or twice a year for unexpected expenses SometimesA few months per year I carry a balance RegularlyI usually have an ongoing balance

What's your approximate credit score?

740+Excellent credit 670-739Good credit 580-669Fair credit Below 580 or unknownBuilding/rebuilding credit

Are you currently paying off high-interest debt?

High-interest debt includes credit cards, personal loans, payday loans (not mortgage or low-rate student loans)

No high-interest debtI'm debt-free or only have low-interest debt Small amountUnder $2,000 that I'm actively paying down Moderate amount$2,000-$10,000 I'm working to pay off Significant amountOver $10,000 or struggling to make payments

How much do you spend monthly on credit-card-friendly purchases?

Groceries, dining, gas, online shopping, bills (not rent unless you use Bilt)

$3,000+I put most expenses on cards $1,500-$3,000A good amount of everyday spending $500-$1,500Basic expenses only Under $500I mostly use cash or debit

How would you describe your spending habits?

Very disciplinedI budget carefully and rarely impulse buy Mostly disciplinedOccasional splurges but generally responsible Working on itI sometimes spend more than I should Needs improvementI often regret purchases or exceed my budget

Are you planning a major purchase requiring credit in the next 6-12 months?

Mortgage, auto loan, or other significant financing

No major purchases plannedNot in the near future PossiblyThinking about it but not committed Yes, within 6 monthsActively planning a mortgage or auto loan

How often do you want to travel?

Multiple times per yearTravel is a priority for me Once or twice a yearI take regular vacations OccasionallyWhen the opportunity arises RarelyTravel isn't a big priority right now

How do you feel about learning new financial strategies?

Eager to learnI enjoy optimizing and don't mind complexity Willing if worth itI'll learn what I need to, but keep it reasonable Keep it simpleI want straightforward solutions

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