Hi All! I'm a long-time lurker, very infrequent poster in the CC threads. We're planning a couple of domestic trips this year (including a trip to Disney) and a month-long trip to Europe summer 2025.
I just applied and was approved for an Amex Platinum card...yes, yes, I know, I broke the cardinal rule of asking first, but I could not pass up the 150K offer. Apologies!
I need advice on what to do with my other cards, whether to get an additional Platinum card for DH (or let him apply for his own), how to best reach the $8K spend required, and how to maximize those points once I get them.
I've had these cards for 15-20 years:
BOA Customized Cash World Mastercard
CITI Custom Cash Card
Barclay's Banana Republic rewards
AMEX Macy's Star rewards
AMEX Blue cash Everyday
These are more recent:
06/17 - CHASE Disney Premier Visa -- Should I downgrade since I don't use it much?
03/20 - AMEX Delta Skymiles Gold -- Should I downgrade since I don't use it much?
11/22- CHASE Freedom Flex
06/23 - CHASE Sapphire Preferred -- this one and FF are the cards I use regularly
04/24 - AMEX Platinum
My DH has:
?? - BOA Unlimited Cash Rewards
2017 - CHASE Disney Visa
2019 - CHASE Slate
05/23 - CHASE Sapphire Preferred
- What amount of spend would you put on a card monthly? We put all our expenses on our cards, except housing, car payments, and school tuition
- Do you currently payoff your CCs in full every month or do you carry any balances/pay any interest? We pay all cards in full every month
- What airport(s) do you typically fly out of? ATL / FLL / MIA
- Do you have a preference of Frequent Flyer program? Have been a loyal Delta costumer for many years, but not as much anymore, still have some Skymiles saved
- Does SOUTHWEST Airline service your airport? Yes
- Do you have a Hotel Rewards program preference? World of Hyatt
- Do you currently have travel points or miles in any program? Yes, about 100K URP combined
- What at your specific goals for churning credit cards? domestic and international travel mentioned above
- When do you plan to take these trips? Disney trip in May (already mostly covered with gift cards), trip to west coast in October, trip to Europe in 2025
- Who does your travel party consist of? me, DH, DD (9), and DS (11).
Thanks for your help!