I just got the AA personal Citi (Visa) a week ago. I co-own a business so i blew through my $3k min spend to get the 50K points in 1 hour. I really want to get the SPG Amex for business (15-20K/month spending) but do i have to wait a certain amount of time so my credit isnt hurt? I have 3 other personal CC w/ 75% balance. Vehicle is paid in full this month, discover will be paid in full when i get my tax return? Or does SPG business not care if I already signed up for the AA