Most of us began with SW and Disney
Have you opened any other cards at all in the last 24 mos? With other banks (like Amex), store cards, etc? When did you open the SW and Disney?
My first suggestion would the the CIP, especially since you have a legit business. Most of us just have "businesses". You can get 80k UR and then refer your dh for another CIP (you earn 20k for the referral plus he earns his own 80k). This would be a good place to begin. It would not add to either of your */24 and net you a nice sum of UR's to begin working with.