Trying to come up with a plan for new cards to order over the next few months.
Current card holdings:Me: In the past 2 or so years, I have opened:
-- Chase Sapphire Reserve (CSR)
-- Chase Ink Business Preferred
-- Capital One Spark
I also downgraded from Sallie Mae to Barclays Reward card at the end of February, when Sallie Mae terms were changed. Once I collect the Barclays $100 cash bonus I plan to use the card minimally. I also have Chase Freedom (downgraded CSP) and a Cap One Visa Platinum card from several years ago. SO has opened the following in the past 8 or so months:
-- Amex SPG
He also opened Capital One Quicksilver on his own in the last 2 years (basically, before agreeing to go along with playing the credit card game
We've earned the sign-up bonuses on all of our cards, so I'm trying to come up with a plan for which cards each of us should order next.
I assume the first step should be to max out our Chase cards. I have opened 3 new cards in the past 24 months (assuming that the switch from Sallie Mae to Barclays Reward doesn't count). I think the Ink Business doesn't count towards the 3, either, so that means I am only 2/24 and have 3 Chase cards to get before I look outside of Chase. Presumably, SO is 4/24.
Unless I'm missing something, none of the Chase cards looks particularly compelling. I would like to get CSP again, but I think I need to wait for 24-25 months to pass from when I closed out my last CSP (that might not be till early 2018). If I got a targeted Chase United card for 70k points, I would probably do that. I'm also toying with a hotel card. Need to research Marriott, IHG and Hyatt more to see which option would work best for SO and me (though IHG and Hyatt cards don't seem to apply to 5/24 rule, anyway). Also, would want to coordinate with SO's application so we can sync or anniversary bonus nights. I suppose the same could be said for the Chase Southwest card (though living in NYC and traveling domestically minimally, I'm not sure Southwest points would be so helpful).
Looking for advice from the experts on what cards I and SO should consider next. Note: SO isn't a candidate for business cards, unfortunately. I'm also less keen to apply for business cards, though have done so for very attractive offers.
We already have about 100,000 or more points in the following programs: Chase UR, United MileagePlus, AAdvantage. Also have between 50-70k in Starwood Preferred and Delta. We like to travel so points for flights would be good (would love to use points to fly business class internationally). As for hotels, we're less interested to stay in chains, though we wouldn't pass up free nights now and then, of course.
Edit: correction to current points balances