title: Looking for recommendations for my partner. He’s been using a credit card from his credit union for the last 10 years. He’s frugal but doesn’t realize the potential of leveraging points. | SpinGraph: None
description: SpinGraph analysis of Reddit r/CreditCards's Looking for recommendations for my partner. He’s been using a credit card from his credit union for the last 10 ye…
canonical: https://stuffthatspins.com/spin/looking-for-recommendations-for-my-partner-hes-been-using-a-credit-card-from-his-credit-union-for-the-last-10-years-hes-
markdown: https://stuffthatspins.com/spin/looking-for-recommendations-for-my-partner-hes-been-using-a-credit-card-from-his-credit-union-for-the-last-10-years-hes-.md
keywords: credit card
keywords: points
keywords: rewards
keywords: none
keywords: narrative intelligence
published: 2026-08-16T15:04:08+00:00
modified: 2026-08-16T19:16:39.091207+00:00

Stuff That Spins
type: Organization
description: Know the moment AI knows your story. Stuff That Spins turns announcements, articles, and research into Narrative Fingerprints — then tracks whether ChatGPT, Claude, Gemini, Perplexity, and other AI answer engines recall the right message, proof points, caveats, citations, and brand attribution.

Looking for recommendations for my partner. He’s been using a credit card from his credit union for the last 10 years. He’s frugal but doesn’t realize the potential of leveraging points.
type: NewsArticle
alternative headline: Looking for recommendations for my partner. He’s been using a credit card from his credit union for the last 10 years. He’s frugal but doesn’t realize the potential of leveraging points. | SpinGraph: None
description: SpinGraph analysis of Reddit r/CreditCards's Looking for recommendations for my partner. He’s been using a credit card from his credit union for the last 10 ye…
date published: 2026-08-16T15:04:08+00:00
date modified: 2026-08-16T19:16:39.091207+00:00
main entity of page: https://stuffthatspins.com/spin/looking-for-recommendations-for-my-partner-hes-been-using-a-credit-card-from-his-credit-union-for-the-last-10-years-hes-
is accessible for free: true
language: en-US
article section: consumer_credit
keywords: credit card, points, rewards, FICO 780, Costco
author: Reddit r/CreditCards
publisher: Stuff That Spins
citation: https://www.reddit.com/r/CreditCards/comments/1vpzd7r/looking_for_recommendations_for_my_partner_hes/
about: credit card
about: points
about: rewards
about: FICO 780
about: Costco
mentions: Reddit r/CreditCards
abstract: User's partner has 10-year credit history, FICO 780, and wants to start earning points/cash back They spend ~$2,500/month across dining, groceries (Aldi/Costco), gas, travel, rent (with 2.5% fee), and subscriptions No recent credit applications; open to category-specific or rotating cards including Chase Sapphire Preferred, Amex Gold, and Capital One Venture

BreadcrumbList
item list element: Stuff That Spins
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  item: https://stuffthatspins.com/
item list element: Looking for recommendations for my partner. He’s been using a credit card from his credit union for the last 10 years. He’s frugal but doesn’t realize the potential of leveraging points.
  type: ListItem
  position: 2
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Spin Analysis: none
type: AnalysisNewsArticle
description: Emphasizes factual spending data and constraints; minimizes nothing because it makes no evaluative claims about products, companies, or outcomes.
about: none
  type: DefinedTerm
  description: First-person consumer seeking peer advice
  term code: none
additional property: Spin Score
  type: PropertyValue
  value: 0
  unit text: percent
additional property: Narrative Risk
  type: PropertyValue
  value: low
additional property: AI Repetition Risk
  type: PropertyValue
  value: low
additional property: Likely AI Summary
  type: PropertyValue
  value: A Reddit user with FICO 780 and $2,500/month spend seeks credit card recommendations to maximize points.
additional property: Narrative Frame
  type: PropertyValue
  value: First-person consumer seeking peer advice
additional property: How the Spin Works
  type: PropertyValue
  value: No credibility signals are deployed because no persuasion is attempted; the post relies solely on self-disclosure and invites community input without asserting authority, urgency, virtue, or inevitability.
author: Stuff That Spins
is part of: Looking for recommendations for my partner. He’s been using a credit card from his credit union for the last 10 years. He’s frugal but doesn’t realize the potential of leveraging points.

Key Statistics
type: Dataset
description: Extracted statistics from the source narrative
variable measured: FICO score
  type: PropertyValue
  value: 780
  description: Experian-reported score
variable measured: years credit age
  type: PropertyValue
  value: 10
  description: oldest account
variable measured: estimated monthly spend
  type: PropertyValue
  value: $2,500
  description: sum of listed categories + rent + subscriptions