I want to add those cards to wallet soon but not sure where to start. The only thing stopping me from going CSR first is the current sign up bonus for the SPG Amex. SPG points are super valuable and I’m planning on going away in April. I already have Delta miles to cover my airfare but after I use my miles is when I’ll use UR. Not sure if getting the SPG card first makes sense though.

Have 0 opened credit cards past 24 months

714 Fico 8 but next update it’ll be higher as I bought my UT% from 42% to 5% and paid off one loan. Current student loans are at $160k and in forbearance.

My yearly income is $80k