Thanks MD. That makes perfect sense...in addition, I need to balance being able to meet minimum spends.

As I said before, we're both sitting around 80K on AA and would like to get both of those balances up to 130K to be able to do F to Europe.

So maybe the better, more conservative strategy is to continue maximizing spending on Citi cards with a retention offer....and just open an SPG Amex and do the transfers to get us up to that magic 130K number.

**I do need to check miles costs for F to Asia/Australia as there is a possibility that is the next big trip and I want the miles there just in case**