Originally Posted by
gypsyardor
dukerau,
Wow! Thank you so very much!!!
Okay, so I'll ask to downgrade the Ink premium to a no-fee Ink classic, keep the Sapphire Preferred, and cancel the United Explorer. That will cost me $95 and I'll be able to transfer points and have some perks.
Is there an advantage to doing the same for my husband's cards, or no advantage in keeping any other cards than the ones in my name? If it isn't a benefit to keep cards in both our names, will I be able to transfer points from his account to mine?
I'm pretty sure those are my final questions. I can't tell you how relieved I am to have a plan that seems to make some good sense. Thanks, again!!!
Love,
Wendi
I don't think there's any benefit to paying for cards in his name, as his points can be transferred to your account since you're married. If you don't have a Freedom card, it would be a good idea to change one of his cards (either Sapphire Preferred or United) to Freedom. You can also downgrade his Ink Plus to Ink Classic since there's no fee on the Classic and it might be convenient to have two of them. There are also free version of the Sapphire and United cards that offer less perks if you want to keep them open for his credit history benefit. You could also change your United to Freedom if they allow it. Sometimes Freedom's quarterly bonuses are very nice, like the current Amazon.com.