username

I just applied for the RR credit card in anticipation of a big non-travel expense ($5000). So, I will get the 40K sign up bonus. However, I am now having second thoughts on where to charge the expense (merchant can't split the charges to multiple cards) as the valuation is not so great, it seems.

- Citi Costco Card gets me $50 back
- AMEX MR gets me 5000 MR points (I have no time to get a new card or force the 20% bonus with 20 charges on my Everyday card)
- RR card gets me 5000 points + the sign up bonus although I can achieve the sign up bonus through other means since $1000 for 3 months is not terribly hard to do.

I don't have the immediate need to use the miles / points.

Thoughts? If we determine I have applied the card prematurely, would I be able to call Chase and close it (as if I have never applied so I can get the bonus some other time)?

Thanks.