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Need help finding new credit cards or selecting a go-to
My business spends on average $30K/mo.
About $5K are office supplies/telecom, so that's handled by Ink Bold. Other bonus categories are minimal - adding up to about $1000/mo, if that. The rest is non-bonus categories. I've gone through the typical cards, hit all their spend requirements, and now need either something new, or just pick a go-to card and put everything on it. These are the cards I currently hold Amer Gold Premier Amex Bus Gold AmEx Bus Plat Amex SPG Bus Amex Bus Cash (2% CB) Chase Ink Plus Chase Ink Bold Chase united Chase BA Visa Citi AA Visa Citi ThankYou Citi Preferred (5x drugstore one, open for now) citi premier Citi Simplicity CapOne Profsnl (double miles) CapOne Venture(double miles) Barclays arrival These are the cards I recently closed Amex Gold Amex PlatPers Amex DeltaGld amex Bus Gold Amex Hilton Surpass Amex SPG Chase Sapphire Chase united Citi AA Amex (if there are duplicates, it is because some cards were in my name, and some in my wife's) All the cards that are opened have had their spends hit (i.e. $25K on United for bonus 10K miles, $30K on BA for companion cert). Barclay Arrival was opened specifically for a $45K purchase that I'd like to pay off over a year with 0% - it was the best combo of sing-on bonus, rewards, and 0% APR. We often like to go non-chain boutique hotels, so it's nice to have a card that allows straight travel redemptions, like CapOne. That's been my go-to card in the past. Should I keep it as the go-to, or pick something else? |
Originally Posted by stevento
(Post 20849397)
My business spends on average $30K/mo.
About $5K are office supplies/telecom, so that's handled by Ink Bold. Other bonus categories are minimal - adding up to about $1000/mo, if that. The rest is non-bonus categories. I've gone through the typical cards, hit all their spend requirements, and now need either something new, or just pick a go-to card and put everything on it. These are the cards I currently hold Amer Gold Premier Amex Bus Gold AmEx Bus Plat Amex SPG Bus Amex Bus Cash (2% CB) Chase Ink Plus Chase Ink Bold Chase united Chase BA Visa Citi AA Visa Citi ThankYou Citi Preferred (5x drugstore one, open for now) citi premier Citi Simplicity CapOne Profsnl (double miles) CapOne Venture(double miles) Barclays arrival These are the cards I recently closed Amex Gold Amex PlatPers Amex DeltaGld amex Bus Gold Amex Hilton Surpass Amex SPG Chase Sapphire Chase united Citi AA Amex (if there are duplicates, it is because some cards were in my name, and some in my wife's) All the cards that are opened have had their spends hit (i.e. $25K on United for bonus 10K miles, $30K on BA for companion cert). Barclay Arrival was opened specifically for a $45K purchase that I'd like to pay off over a year with 0% - it was the best combo of sing-on bonus, rewards, and 0% APR. We often like to go non-chain boutique hotels, so it's nice to have a card that allows straight travel redemptions, like CapOne. That's been my go-to card in the past. Should I keep it as the go-to, or pick something else? |
Need help finding new credit cards or selecting a go-to
It is really hard to make any suggestions without knowing which cards were yours and which were for your wife. Also when you applied for each card.
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Originally Posted by deant
(Post 20850311)
It is really hard to make any suggestions without knowing which cards were yours and which were for your wife. Also when you applied for each card.
Can;t get the post to format properly though, so not very readable, sorry. Bank Card Date Open Date to be closed Cardholder #1 Amex Gold 11/12 closed amex spg 8/12 07/13 Amex Bus Gold 3/13 02/14 ChaseSapphire 3/12 03/13 closed Chase united 8/12 07/13 Chase Ink 3/13 02/14 Citi AA Amex 4/12 03/13 closed Citi AA Visa 4/12 03/14 citi premier 5/13 04/14 Barclays arrival 5/13 05/14 Chase Ink Bold 3/13 02/14 Cardholder #2 Amex PlatPers 3/15 02/13 closed Amex DeltaGld 3/1 02/13 closed Amex PlatBus 4/12 03/13 to be kept open amex Bus Gold 4/12 03/13 closed Amex SPG 4/12 to be kept open Amex Bus Cash to be kept open Amex Gold Prem 2/13 01/14 CapOne Profsnl to be kept open CapOne Venture to be kept open Chase Ink Bold 3/12 to be kept open Chase united 6/12 05/13 closed Chase BA Visa 2/13 01/14 barclays arrival 5/13 05/14 Citi aa amex 8/12 08/12 closed Citi ThankYou 4/12 no annual fee |
You've been through such a vast number of cards, it seems like you should be giving us advice. You specifically like the Ink for the 5x in your major spend area, plus you like the Capital One for its use in boutique hotels.
Perhaps you prefer one airline over another, based on your location or destinations. Perhaps you value Club access or cash back. Perhaps you like short, frequent trips or need to move a family of 4 on long hauls. All that would make a difference in advice. But, regardless, your monthly spend exceeds many people's yearly spend, so you should be racking up the points at a tremendous rate. |
Keep in mind that my spend doesn't hold a candle to yours, so I always focus on sign up bonuses.
I'm not gonna sit for hours and analyze your patterns, but off the back of my head between the 2 of you, you need to hit the following: Both of you apply for Amex SPG Biz 1 CSP and Ink whichever you don't have. Hitlon cards: 1 from Amex, 2 from Citi, 2 Hawaiian, and Virgin Atlantic, perhaps Amex Surplus too. Both of you apply for Chase Hyatt and Fairmont. Get the match for Hyatt Diamond before applying. Both of you apply for US Bank Club Carlson, personal and biz. Another Barclays Arrival Both of you for Chase Marriott and Priority if you still want something else. With your spend capabilities, it's freaking scary what you can achieve. |
Originally Posted by StartinSanDiego
(Post 20852080)
You've been through such a vast number of cards, it seems like you should be giving us advice.
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