Thanks for all of your helpful feedback.

Responses:

Citi DC, WF Active Cash, WF Signify Cash, Amex BBP, all of which earn 2x without AF: I’d like to stick with CFU because I value and consistently use Hyatt.

VX: I’m sticking with this because of the 10k points/year and I’d use the 2x on foreign travel no FTF a lot.

IHG: Convinced my significant other to get this card, so it can be off the list

Citi ecosystem: I’m not persuaded to switch over everything to the Citi. The main categories I’d use the CCC for is restaurants/travel, and I’d be replacing CSR/Bilt for that. The categories also don’t make up for value of SUBs for the other cards, like the VX. And I’m not even certain I want to keep the Citi Premier open in the first place.

Barclays HA: I don’t care that much about what happens to the card; I’ll probably just downgrade to anything $0 AF or cancel after a year.



New strategy:

I’ve narrowed down my strategy and am trying to figure out a way to fit VX, Strata Premier, Boundless, and Barclays AA/HA in, but the timing may be a bit tricky. Here are the options I thought of:

Option 1: VX May 2025 (3/24) + Boundless May 2025 (4/24) + Strata Premier November 2025 (5/24) + Barclays AA/HA after SP (6/24 and 7/24) --- higher chance for SP (I'd be at 3/12 and 0/6)

Option 2: VX May 2025 (3/24) + Strata Premier May 2025 (4/24) + Boundless later (5/24) + Barclays AA/HA after Boundless (6/24 and 7/24) --- if I apply for VX and SP on the same day, would that work? Does it matter which I apply to first?

Option 3: Strata Premier March 2025 (3/24) + VX May 2025 (4/24) + Boundless later (5/24) + Barclays AA/HA after Boundless --- some risk to SP denial (I'd be at 1/6 and 2/12) and VX denial.

What do you all think?