[Advice Requested] Credit Card Strategy for Traveling/SUBs
I've been doing a lot of research on credit cards, thinking about my credit card setup, and I'd appreciate some advice on strategy.
Basic information- Current cards: CSR (8/24), CFF (5/2019 – downgraded from CSP), CFU (9/22), Bilt (4/23), Costco Citi (8/22) – all $10,000+ limits
- FICO Score: 820
- Oldest account age: 20 years
- Chase 5/24 status: 2/24 (1/24 soon)
- Income: $200,000+
- Average monthly spend and categories: not sure exactly, but around $8,000/month
- Open to Business Cards: no
- What's the purpose of your next card? I’m not exactly sure what I want to or should target—maybe hotel status, great deals/SUBs, and points from different ecosystems for economy flights in case I need them. I’d probably be interested in getting just a handful of credit cards now or slow churn. I want to maintain an 800+ credit score because I’m in the market for refinancing a mortgage. I’m not exactly sure what I want to or should target—maybe hotel status, great deals/SUBs, and points from different ecosystems for economy flights in case I need them. I travel 10-15 times a year—usually 1-2 international trips to Asia (China/Japan/Korea), Europe (Paris/Spain/Switzerland), and some domestic travel (like New York, Vegas, various destinations with ski resorts, weddings, etc.)
- Do you have any cards you've been looking at? Yes—I’ve listed the cards down below in “Current strategy—what I’m thinking about doing”
- Are you OK with category spending or do you want a general spending card? I’m flexible
Current strategy
- 3/24
- 4/24 and 5/24 options
- Get/keep Boundless (UG RC)
- Get/downgrade Strata Premier
- Get/downgrade Barclays HA + AA
- Get/keep Hyatt
- Get/keep IHG
- Get/downgrade United
- After 5/24 options
- Get/cancel Gold + Platinum
- Get/keep Aspire + Surpass (UG Aspire)
Specific questions
- If I got my Venture Rewards card on 2/1, when is the absolute soonest that I can get a VX? I’m seeing mixed answers online
- What should my 4/24 and 5/24 cards be?
- Can I double dip and apply to 2 Chase credit cards on the same day to have them count as 1 HP? I’m seeing mixed answers online
- For the Strata Premier, I’m not sure what I’d do with my TY miles after I downgrade to a $0 AF card after a year. Any suggestions?
- Can I double/triple dip and apply for the Aspire + Surpass (+ Gold) on the same day to have it count as 1 HP (assuming I can meet MSRs)? I’m seeing mixed answers online
- Can I apply for Gold + Platinum on the same day still get both SUBs if I meet the Gold MSR first? Again, seeing mixed answers online
- Also not sure what I’d do with my Amex points after I cancel the Gold/Platinum (can’t see myself holding either or the Green). Any suggestions?
- Around how many new credit cards should I be looking to open per year if I want to keep an 800+ credit score in case I need to refinance?
Last edited by bugyboy78; Mar 7, 2025 at 9:40 pm