Hi All,
I have some big expenses coming up (probably could hit $10k or so in minimum spend for signup bonuses), so it's a good time to apply for a card(s) that might need a significant signup bonus. With Chase, specifically:
- I'm now at 4/24 after getting the two cards below...
- Early October 2019 - Applied and approved after about 10 days for Chase Southwest Performance Business card (with $5,000 credit limit)
- November 1st 2019 - Applied and instantly approved for Chase Southwest Plus card (only $2,000 credit limit)
- Other Chase cards I have:
- Chase Ink Cash ($6k limit - total of $11k limit on my two biz cards)
- Chase Sapphire Reserve ($33k limit)
- Chase Freedom ($22k limit)
- Chase IHG ($10k limit)
- So a total of $67k credit limit on personal cards, plus the $11k on biz cards, puts me at $78k total CL)
- And I have a Chase personal checking account
- And I just paid off a Chase auto loan a few months ago (which caused my credit score to drop a lot)
Anyway... I'd like to use up my last one (or two?) Chase slots. Suggestions on what I should do?
- Chase Ink Business Preferred - 80k on $5k spend. I would like this card the most for the big signup bonus! But with the 2 Chase Biz CCs already (and considering just $40k in biz revenue), are my odds low?
- I'd like Chase IHG Premier, but the bonus was 125k + $50 credit and now is just 80k points.

- I'd like Chase Marriott Bonvoy Boundless, but the bonus was 100k and now is just 75k points.
Also, I had the old SPG personal (and Biz) cards, so I'm not sure if I'm eligible?
- And I'd like to have the Chase Freedom Unlimited, but it seems a waste of one of my 5/24 slots (considering I get more from sign up bonuses than I would from actual spend)...
- Chase United would be good too, but I need hotel points more than airline points right now (and don't really like United)...
Should I try applying for the Ink Biz Pref AND the IHG or Marriott on the same day? Or would that make it unlikely that I would get the Ink (and maybe get the IHG or Marriott)? And which should I try for first?
I could also get non-Chase card(s), like the Amex Marriott Biz (but again, am I eligible if I had SPG Biz)? And I'd prefer to use up my last Chase spot first.
FYI, my credit scores are 807 Transunion, 802 Equifax, and 790 Experian. Experian dropped from 836 in July to 814 after my car got paid off and then to 790 after the two new Chase accounts. Sorry for so many questions! Thanks for you help and opinions,
--Kyle