I'm sure a lot of people would say you're just fine with a QS. It depends on if you want to take the hard pull for Double Cash or not when the time comes.
In my opinion it all adds up even it there isn't much difference. I'd rather collect my 2% than 1.5%, but that's my view. Other reasons I went for Double Cash was because they sent me a mailer with a $100 spending bonus and I wanted to get in with Citi to diversify my lineup with different lenders. I can run my rent through it and it's accepted more places than my Fidelity Amex. Like I said, those are my reasons, you need to sit back and think about yours and look at your spending.
I would go for Freedom if you want to get in with Chase. There's no reason to pay an AF for CSP if all you want is the metal card and the rewards won't justify it. I know it's fun to dream about having a metal card, but in real life most cashiers don't care what you pull out of your wallet to pay for things. Better to get the most bang for your buck in rewards that suit you.
@Anonymous wrote:I will mull over my options. A lot could change. Gonna move out, get a new car, etc. No idea how much spending or what kind of spending I'll do. I'll definitely look at my options again in the spring and see where I'm at.
Don't wait until spring, make a tentative list now. Begin researching the card(s) so you give yourself plenty of time to be thorough. Then when spring comes, compare your list to your current spending habits and go from there.
If you need another vehicle, try to secure funding before going to the dealership. Save yourself the hassle and stress of them running your credit through a bunch of creditors. If you haven't already, shop your local credit unions. They tend to offer really good loan rates. Some even have annual used car sale events right on their lots.
It's always good to have a plan so you don't find yourself applying for cards you don't need. Goals are good when building a solid credit profile. Best of luck to you!