<prompt> Human: Just 4 months ago, I had no credit, no money saved, and no credit cards. Now I have a 710 score transunion, have made 40 off my DiscoverIt Card, saved 500, and just got approved for the AmEx Blue Cash preferred 6 back on groceries!! and a 2000month limit! all at 20 yo. It may not seem like much, but I just wanted to thank the community here!Assistant: Great work.Also, make sure you can justify the annual fee on the Preferred. If you spend more than 2500 per year on groceries, that is the tipping point between the Preferred and the Everyday. You can always call at any time to do a product change if you realize the annual fee is not worth it.Always pay your statement in full, and best of luck to your future, kid. :Human: Sure will, I did the math, and I only need to spend 105month on groceries to make it worth it, but If I spend over 1000 in the first 3 months, I get a 100 statement credit, plus free Amazon Prime. Not too worried about the latter, but that credit will be 25 profit, plus Ill have credit history with one of the best underwriters!  <response>: Sure will, I did the math, and I only need to spend 105month on groceries to make it worth it,Double it. Their non fee card is 3 groceries. So your equation looks like: 3 x 6 x - 75Which works out to x 208.33mo. As long as you beat that amount, then the BCP is worth it. 