Welcome to FT.
Originally Posted by
sovereign0
Should I be applying for that or for another card?
Your call.
As AMEX Platinum does not waive AF, the key is you must be able to utilize the benefits provided by the card and justify the AF.
Originally Posted by
sovereign0
I'm feeling like I am seriously missing out on some rewards.
Undoubtedly yes.
Originally Posted by
sovereign0
I have an established banking relationship with the issuing bank for both cards, but I travel (2x a month, lots of hotel stays) and generally spend a bunch, so I feel like I am not capitalizing on my situation.
Not necessary, as:
1. If your travel is business-related, your company policies may prevent you from capitalizing on your situation.
2. Credit card spending only supplements your earning. As you have traveled enough, you should know that earning directly earns you the most points.
Originally Posted by
sovereign0
My wife, who earns the same amount, has slightly worse credit, and fewer assets to her name, just got approved for a chase sapphire approved with a credit limit literally 4x my amex, so I'm starting to think I can upgrade.
Your CL has no bearing on reward earned.