Get an Amex Business card. Probably won’t get a hard pull since you have Amex cards already. As a business card, it won’t show up on your personal report so you won’t add onto 5/24.
ace said:
Get an Amex Business card. Probably won’t get a hard pull since you have Amex cards already. As a business card, it won’t show up on your personal report so you won’t add onto 5/24.
After viewing others’ comments, you probably shouldn’t be getting more cards. Pay off your debt first.
@ace
You mean ‘shouldn’t’. OP is just avoiding his real problem.
Both the Citi Strata Premier and Venture X have a 75k bonus on 4k spend. They are good base cards for the travel ecosystem. The annual fee of the Venture X pays for itself if you travel once or twice a year through the credit and annual bonus. Then you have priority pass and TSA perks. Big fan of the Venture X. Venture X approval is kind of finicky; there might be a 6/24 rule.
If you really want to get into the churn life, you should start thinking about business cards. They don’t count towards 5/24, although spend is usually higher. Chase Ink Unlimited’s signup bonus was just 90k w/ 6k spend & 0% APR, but that ended. You’d need to manufacture spend (ask parents if they need to buy anything) or time for big purchases with your current spend level.
@Wyn
He’s not going to get approved for a Chase biz card when above 5/24 either.
Drue said:
@Wyn
He’s not going to get approved for a Chase biz card when above 5/24 either.
Yeah I meant in the future; should’ve clarified.
@Wyn
I do this with both personal and biz cards. Manufacturing spend is very easy if you know how…
These past three months I made:
70,000 HawaiianMiles
150,000 AAdvantage Miles (Citi and Citi Business)
@Zaid
MF is very easy if you know how…
Spend to hit SUB requirement is the part I struggle with. Wish I knew the how part.
@Wyn
To be honest I’m not really interested in the churn lifestyle right now. I just want an ecosystem that works well and a setup that is flexible and works well.
My issue is I got too many options that go too many different directions and need to simplify and focus my setup.
@Xavi
Yeah dude, you have 8 cards of the same tier basically lol.
Wyn said:
@Xavi
Yeah dude, you have 8 cards of the same tier basically lol.
lol I know and that’s why I’m like trying to simplify and make sense of what I got. I’m gonna probably cancel a few of them for sure because they’re redundant.
@Xavi
No point in canceling; there’s an argument that keeping them is better for your credit score as you build a longer average length of account and higher credit limit. But I’m not sure getting another card while over 5/24 is simplifying. Venture X + Savor duo is the best combo you can’t get right now since you don’t qualify for the trifecta.
@Wyn
Well with my BCP card I don’t know if I’m gonna want to keep it with the AF. I guess I could downgrade but then have two BCE cards.
Non-Chase business cards. Good time to do Amex ones if you can make the SUBs.
Citi cards earn more as spending cards. Unless you want Chase transfer partners like United.
Basically, use Citi as spending cards. Churn Chase and Amex.
PointsPro2 said:
Citi cards earn more as spending cards. Unless you want Chase transfer partners like United.
Basically, use Citi as spending cards. Churn Chase and Amex.
OP cannot churn Chase because they are already over 5/24. That was the whole premise of their post.
@Dustin
They should just spend on Citi and wait. That’s how time works.
PointsPro2 said:
Citi cards earn more as spending cards. Unless you want Chase transfer partners like United.
Basically, use Citi as spending cards. Churn Chase and Amex.
Well the Chase transfers interest me, yeah. My only issue with Citi is they seem sus as far as customer service and I’ve had a time or two my cards didn’t work because of some weird server-side issue on their end. Like my cards couldn’t be used.
But maybe they are the best path. I still wanna get the Venture X one day just to get the value of the travel credit and anniversary mile bonus. And I do like how flexible Chase points are. But I guess Citi is just as flexible?
PointsPro2 said:
Citi cards earn more as spending cards. Unless you want Chase transfer partners like United.
Basically, use Citi as spending cards. Churn Chase and Amex.
I honestly don’t have a lot of interest in churning right now.