Hello everyone,
We have been traveling around the world for the last 6 years (loving our Capital one non foreign fees). However this year we are going to plant ourselves and kids in the USA for good. We will be buying everything.....cars, house, furniture, etc, etc. Its going to be a very expensive year. We have the cash to pay for most of this but we would love to not waste the opportunity to earn miles/cash/something! We are 1k on United, Platinum Elite on Marriott, Platinum on Priority Club, Diamond on Hilton and then lower levels of other things. Our local airport will still be a United hub.
Currently we have a Capital one card (earning miles or cash at 1%), Amex Cash (1% back until $5k then goes up). But I think we could do better. We both have excellent credit scores (797/793) and our income is good also. I always thought that you didn't want to keep getting new cards because it hurts your score, but that doesn't seem to be an issue from what I see on this board. Is it any issue if applying for a home loan?
I have been trying to read up on everything on this board (getting a little lost due to not understand the abbreviation), and it seems our best bet would be a SPG Amex. But since Amex isn't taken everywhere whats the next best visa/mc? Should hubby and I each apply for our own cards or just one account with one company? Also since it looks like referrals get a better deal on some cards, please SPAM me with some referral links so we can help each other out!
And finally how about checking/saving/MMA do those have any perks now a days?
Thanks in advance for helping!