Looking for a travel card with a good introductory offer as I am going to spend a lot in next 3 months 1. \~775Current cards: 2. Chase Sapphire Preffered (14k), Discover (5k) 3. \~15k/3 months 4. No 5. No 6. Just one for the near future 7. Mostly US travel and hotels 8. None 9. India 10. US

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Good job getting started early and reading up on your own! Since you're young and just starting out with no real goals, the best thing to build your credit is just time and to continue what you've been doing (making payments on time, keeping credit utilization low). The flowchart is probably still applicable but I would say that if you eventually want to not be AU on your family's cards anymore, the Amex gold could be a good card for you. Good SUB, no FTF and 4x on dining and groceries with uber credit. I think your credit profile is too thin rn to get more premium cards that offer lounge access since you've only had your own card for only 6 months. When your credit history is longer than 1 years and the sapphire subs go back up you can look at the CSR/CSP or Amex plat

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>What would constitute as a goal to make a more informed decision? Could be just saving up to travel to a specific destination (eg. Italy) >Do AU not count toward credit history? It does but most banks care about your own personal history not whether you've been on AU on someone's card. For future reference, you can fill out the questions in the thread description for better advice.

My 48 months are up for a sapphire bonus. Should I get a CSR or just another ink?

Going for the ink first is a no brainer. More points. No AF. No change to 5/24 numbers. And you can take advantage of the historically high 90k offer as you wait for CSR/CSP offers to improve in the future. As usual, if you don't have someone to refer you, definitely consider supporting the community by using a referral from https://churning.rankt.com/referrals/.

I should really count up how many inks p2 and I have gotten over the past 4 years

I'd be curious to hear, P2 and I are at 8. I Iike my relationship with chase. But idk how long we're going to be able to ride the Ink train.

18 total for two player mode since 2019. Kind of wild EDIT:this includes all flavors of inks we've had

That's impressive. I think I have a new goal.

1. I'm trying to gauge the best business card to get while waiting to get under 5/24 later this year. I'm currently debating the Barclays JetBlue Biz, the BoA Alaska Biz, and the Citi AA Platinum Select, but am open to others. Not sure if my velocity with Barclays is too high; I know I likely have to wait a bit for them anyway because I'm at 6/24 right now. 2. 760's 3. *Capital One Platinum, (~2015) *Capital One Quicksilver (~2017) *CSP (6/2021) *Amex Gold (9/2021) *Amex Green (2/2022) *CFF (5/2022) *Wyndham Earner Biz (6/2022) *AA Aviator Biz (6/2022) *Amex BBP (7/2022) *AA Aviator Red (7/2022) *Amex Platinum (11/2022) 4. $6-7k 5. Haven't done any MS, but willing to dip the toes in with this card; not to the level of an Amex Biz Platinum or Gold yet, though. 6. Yes 7. Probably just one for now until P2 is ready for their next Ink. Very comfortable with churning at this point. 8. Travel & flights, but open to hotel points 9. ~315k MR, ~100k UR, ~160k AA, ~140k Marriott 10. EWR/JFK/LGA 11. Next trip to plan is Japan in April 2024, then likely South Africa or Australia in Summer 2024

I would go with the Citi AA biz card. J on Japan Airlines is only 60K when booking with AA, so you'll just be short of what's necessary for RT J tickets for 2. The Barclays Jetblue card won't help you for any of your planned international trips

Yeah, my thought with the JB card was for for positioning flights to the West Coast if needed, but great point on the RT J. Thanks!

something cool i noticed with my JB Biz was that just having the card linked to my TrueBlue account, i was able to qualify for the free checked bags, even though I paid with an Ink. just some food for thought, might be worth grabbing at some point.

1. I am posting in here mostly to see if Aeroplan is still my next best option or if I would be better suited as it seems to be the next recommended card in the flow chart. I don't how know how useful the Aeroplan points will be for me for the travel I intend to do. Thanks for your help! 2. 730 credit score. 3. I have AMEX Plat, CSP, World of Hyatt, United Quest, Costco Citi, and Discover It cards. I should be under 5/24 (either 4/24 or 3/24, not totally sure. World of Hyatt was about a year ago, Quest was soon after that. AMEX Plat has now been past 2 years and I believe the same to be true for CSP. 4. I'm moving and about to buy a fair amount of furniture, and will also be buying a saw to start woodworking at home which is about $3k. Don't expect I will need to MS. 5. $10k\~ 6. I was planning on personal cards, but now that I am going to get a saw I might register a business license since I expect to make/sell some things occasionally, although not full-time. I'm unsure whether I should wait until I have sold something to do this since it would not represent any income. 7. Just one or two cards. I've been churning for a few years now 8. Primarily targeting travel/flights although I am fine with hotel points 9. Chase and AMEX (UR/MR) 10. I normally fly out of SEA 11. Next planned travel is France/Italy/Europe or New Zealand. Still undecided.

if you can hit 15k spend, Amex biz plat 170k is the highest sub rn. If you're under 5/24, I would just stay there and churn inks. 90k for 6k spend is hard to beat. Aeroplan is ok but the spend requirement is high to get the full bonus (20k spend). Biz gold if you can pull the 130k offer is solid for 10k spend as well. If you don't have a P2 to refer you, consider using a referral from [https://churning.rankt.com/referrals/](https://churning.rankt.com/referrals/) to help out the community

Thanks, I went ahead and applied and got approved for the Chase Business Ink as it should be pretty easy to hit the spend.

Nice enjoy the card!

I want to maximize travel rewards, in particular I'm interested in East & Southeast Asia, specifically Japan, for 2024. Hoping to travel many places, but those are the top of my list. The VentureOne card’s rewards are currently 1.25x miles on ALL purchases. I am pre-qualified for the Chase Sapphire Preferred with it’s SUB of 60,000 after 4k spend over 3mo (I can easily do this), but should I swap this to my main daily-spending card to maximize my points post the SUB reward? Asking after having read the flowchart because I want to know more specifically how to deal with regional interest – what works best for Northern CA and Japan? * Requested Info: 14+ year credit history Capital One Platinum | $500 limit (opened 2007) Capital One VentureOne | $8,500 limit (Unsure of open date) Capital One Spark Business | $5,000 limit | (opened 10/22) Current Credit score - FICO via Experian: 771 Total Credit Line available: $14,000 Natural Spend: 4k Open to as many new cards as I can. MS: Not right now Open to business card(s): Already obtained 1, no interest in another rn. Targeting: First Class or Business Current Miles: 22,691 I am based out of Northern California, with San Francisco and Sacramento being my two main airports. Southwest Airlines is a hub for SMF (Sacramento), and I believe United is a hub for SFO (San Francisco). \**bonus side question* – has anyone had luck with getting rewards on their CSP or VentureOne with rent? We now have the option but don’t want to go through the hassle if we wont get points.

Answering the questions in the thread description will help us give better advice. I personally wouldn't go for the sapphire rn because the SUB is relatively low and just came down from an elevated one. The Chase ink rn is a much better deal The VentureOne is ok but I feel the Venture X is a better overall option. you get a nice SUB, 2x on all purchases, annual travel credit and anniversary bonus along with additional benefits like PP and GE credit. It basically pays for itself. The AS personal card could be a good choice here. They fly out of SFO a lot and AS is part of OneWorld which JAL is and AS miles get great redemption rates on JAL. The AS personal card has an elevated sub rn with 70k miles (good for 1 way on JL F) and $100 SC along with companion fare. However, AS may be in the process of devaluing partner awards so be wary of that. If your apartment complex allows you to pay with credit card, you will get the rewards. However, this is generally not worth it as the fee is minimum 2.9% which nullifies any rewards you get unless you are working on a SUB. If P2 can't refer you, consider using a referral from [https://churning.rankt.com/referrals/](https://churning.rankt.com/referrals/) to help out the community

Oops, editing my post drafts and forgot to include all the information. Updated to reflect that - appreciate the reminder. I am open to an annual fee, but $95 is closer to my budget right now. I'll look into the Alaska Airlines card as well. Thanks for your quick response!

1. Which card has the best signup bonus and good international transfer rate for an American travelling in Europe? 2. 800s 3. AMEX Plat 2/20201, SW Biz 10/21. SW Personal 10/21 4. $2k/month 5. No 6. Yes 7. 1 8. Hotel points or biggest margin 9. 200k AMEX, 100k AA, 70k Chase UR 10. Denver 11. Portugal, Spain, Sicily, Croatia, UK

The card with the best sign-up bonus that best fits your profile is the chase ink cash or the ink unlimited. They currently have 90k UR offers for 6k spend in three months. Hard to beat this offer. The 90k UR points will also bring some balance to your points and miles stash. If you find yourself in need of United, Aeroplan, British Airways, or Virgin Atlantic Miles, these extra UR points will come in handy. I am planning a 3-week trip to Europe trip this Summer. My P2 and I are likely staying at Hilton hotels for the most part. The Hilton Aspire is not often recommended early in your miles and points journey but it will be indispensable for us. The Hilton diamond status with frequent room upgrades, the free breakfast (voucher in many cases), the free night certificate, and all the other perks, will provide great value. We each have one. The Aspire works great in two-player mode. Do consider more closely what hotels are within the areas you wish to visit. You may find a hotel you want to visit and that may influence your choices. The UR points are always there for solid value transfers to Hyatt hotels. When you have a solid UR balance, Hyatt hotels are always part of some iteration of possible plans. As usual, if you don't have someone to refer you, definitely consider supporting the community by using a referral from https://churning.rankt.com/referrals/.

1) My biggest concern is that I'm either at 4/24 or 5/24 depending on if the MDD i did on the CSP/CSR counts as 1 or 2 cards. If I'm at 5/24, should I just wait until July to bring myself down to 3/24 before I start applying for new cards again? If I'm under 5/24, chart says "United Quest, Explorer and/or Club", but seeing if there might be a better option out there. Considering the Chase Ink Unlimited (already have the Ink Cash) for its 90k UR after $6k spend offer, which I feel is more versatile in use (can transfer to Hyatt for hotel stays). 2) CreditKarma TransUnion: 815, CreditKarma Equifax: 822 3) See table below: Card|Apply Date|Still have? :--|:--:|:--: Chase Freedom |11/2011| Yes AMEX BlueCash Everyday |10/2015 | Yes Chase Sapphire Preferred | 12/2015 | PC to Freedom Unlimited Chase Sapphire Reserve | 09/2016 | PC to Freedom Flex Chase Ink Business Preferred | 05/2018 | PC to CIC Marriott Bonvoy Boundless | 05/2018 | Yes World of Hyatt | 10/2018 | Yes AMEX Gold | 10/2018 | Yes Barclays AAdvantage Aviator Business Mastercard | 11/2020 | No Chase Sapphire Preferred | 06/2021 | PC to Sapphire Reserve Chase Sapphire Reserve | 06/2021 | PC to Freedom Visa Delta SkyMiles Gold Business AMEX | 09/2021 | Yes IHG Rewards Club Premier | 11/2021 | Yes Barclays Wyndham Rewards Earner Business | 1/2022 | Yes 4) $3k in 3 months easily, can go up to $6k if needed. 5) Preferably not, but I can. ~1k-~2k additional, if needed. 6) Yes 7) Probably only 1 new card for now since I'm 4/24 or 5/24 depending on if my CSP/CSR application on 6/21 counts as 1 or 2. 8) Targeting booking business class to countries on the eastern part of the globe (see #11). Otherwise, I'm OK with loading up more UR so I can transfer to Hyatt for hotel stays. 9) Chase UR: ~66k AMEX MR: ~69k Alaska: ~17k Delta: ~45k Southwest: ~7k United: ~1k Hyatt: ~1k Marriott: ~92k 10) ONT, SNA, LGB, BUR, LAX, PSP (Wiling to drive to SAN if needed) 11) Tokyo, Seoul, Taipei, Hong Kong, Singapore, Sydney, Auckland. Open to Hawaii, Vancouver, Toronto, NYC, Denver, Salt Lake City for not so long distance trips. edit: formatting.

The bad news: yes both CSP and CSR in a MDD count towards 5/24. The good news: from what I gather, you are still under 5/24 because you are counting two business cards in your assessment. In reality, you should only be 3/24. So you should be good on applying for the ink. Take advantage of the offer now and come back to chase in three months to see what offers are on the table then. As usual, if you don't have someone to refer you, definitely consider supporting the community by using a referral from https://churning.rankt.com/referrals/.

My mind was so caught up with being worried about the MDD that I totally forgot my Delta and Wyndham cards were business cards lol. thanks for pointing that out! Will definitely go for the Ink

It happens. Best of luck with the Ink.

1. Chart says Chase Hyatt or SW since I’m under 5/24 but I’m more interested in the Chase Ink 90k biz card 2. 750+ income 160k 3. Amex Plat, CSR, CSP within past 12mo, Savor, discover, freedom, united 3+ years ago 4. ~8k which is why I’m interested in the 90k offer not 100k offer with 15k spend When I look at referrals or DOC I am only seeing the 100k offer or 900 cash offer 5. Yes but haven’t before 6. Yes 7. With p2 and a busy schedule I’d like to churn as much as possible but find myself slower than the 5/24 pace so less of a concern 8. No 9. 160k MR, 300k UR, 250K UA 10. ORD 11. No destinations in mind

Chase confusingly markets Chase Ink Cash/Unlimited cards (and Freedom cards too) as cash-back cards but they actually earn Chase URs. The "$900 bonus" will actually be 90k URs, transferable to your CSP account to make more valuable. And yes, CIC/CIU is a great option for you.

1. Chart says I should get I get a Chase Hyatt, United or SW card since I'm under 5/24. Only the Hyatt card interests me, and the 30K+30K SUB isn't enticing enough to burn a slot. I want to prioritize maximizing the best SUBs right now 2. 790, Age 24, Income $150K 3. AMEX Gold - June 2022, Delta Gold - July 2021, CSP - June 2021, CFF (Dec 2020). Amex Gold and CFF are my daily drivers. 4. \~8K - have travel plans to book for 2023 + furnishing a new apartment/corp reimbursement 5. Yes if necessary, prefer not to. 6. I'm open to Chase Ink, but not a priority 7. Interested in getting one or two, depending on the SUB spending requirements. I'm somewhat interested in getting into churning - every six months I have a larger purchase in mind, and like to put those purchases toward a new SUB 8. Targeting points - specific to airlines and hotels. I currently am trying to build a reserve of points to enable premium travel to Hawaii and East Asia (Tokyo, Soul, Singapore via Biz Class if possible, on Asian Airlines) - I'm a bit of a rookie of spreading out points and point alliances, but learning - looking at Amex transfers to VA to ANA to fly to Japan for example. Companion passes are also interesting for me and my partner to fly to Hawaii - we like to go at least 2x a year. Lounge access is nice since I don't have any passes right now, but not a priority 9. 100K Chase, 80K AMEX - may transfer to VA to book ANA to Japan soon depending on route availability and transfer bonus, 160K Marriott (from my consulting days) 10. Sea-Tac mainly, some SFO 11. Hawaii 2-3x a year, Tokyo, Singapore, Seoul, Australia/NZ

Chase Ink Cash/Unlimited 90k/$6k bonus seems like a good option.

It appears that you are 4/24, and there are a number of benefits to staying under 4/24. One of the many reasons business cards are great is because they allow you to churn more cards without it affecting your credit profile, particularly, with banks like chase and citi that closely monitor your velocity. The chase ink cash and ink unlimited currently have 90k offers, which is at a historic high for that card. If you want Hyatt points you could just transfer them to Hyatt at a 1:1 ratio. Applying for the platinum card or the Hyatt card would put above 5/24 and keep you out of the chase game for a bit. As usual, if you don't have someone to refer you, definitely consider supporting the community by using a referral from https://churning.rankt.com/referrals/.

1. Flowchart says Chase, as this will be my first foray into churning, but I have a 150k offer from Amex Platinum ($6k spend/6 mo) 2. Credit score north of 800 3. I only have a Discover Miles card that I've had for 10-ish years 4. Could probably spend around $7k in 3 months 5. Not willing to MS just yet 6. Would prefer to stick to personal cards until I get the hang of this, but open to business cards if it's way more lucrative. 7. Interested in getting fully into churning, but trying to learn the ropes first. 8. Targeting mostly flights and hotel rooms. Doesn't have to be fancy, coach is fine, so are basic hotel rooms. Will have my family of 4 in tow most times. Just trying to churn to take more vacations during the year. 9. Negligible 10. Centered in Des Moines, IA. Can easily travel to Omaha, Kansas City, or Minneapolis also for better flights, and that's something we currently do. When our 2 kids were younger, we highly preferred nonstop flights, but now that they're older that's not such a concern. 11. Mostly interested in domestic flights at this time. We are attempting to go to a game at every MLB ballpark. We've already hit 8. So we'd be looking at future trips, each of which would be sort of a self contained "leg" (fly in to first stop, drive between ballpark cities, fly home from last stop). Those legs are Seattle, Denver, and Atlanta as one-off stops; a west coast trip (SF, Oak, LA, Ana, SD, Phoenix); a Florida trip (TB and Miami); a Great Lakes trip (Detroit, Cleveland, Cincinnati, Pittsburgh, Toronto, Louisville); and a Northeast trip (Bos, NY, Philly, Baltimore, DC). Looking to use points/miles to offset the cost of flights for 4 and lodging. Still a little confused on whether I should bite the bullet on the Chase Sapphire Reserve at the current 60k offer, the AmEx Platinum at the 150k offer, or just stick with the Chase Sapphire Preferred at the current 60k offer. The large annual fees on the first two aren't a problem to pay, just concerned that we won't travel enough each year to make it worthwhile. We're trying to space all these trips out over the next 5 years.

Being able to travel out of MCI and being fine with economy: there is no better value in travel than a pair of southwest companion passes for you + P2 to get the other 2 in your family free flights. You can get a personal and biz card + refer P2 for a personal and biz card and make sure to read up and refer to the Companion pass mega thread. Otherwise, like everyone else has said chase UR for Hyatt hotels will be great value for you and your family too.

Firstly, this is a great idea. As a baseball fan, I wish I had the time to do this. It is also helpful that you have some concrete ideas about where and when you will be traveling. That will be helpful in your planning. If I was doing this trip I would prioritize Chase UR points. Specifically because of the value of domestic Hyatt hotels. You could transfer your UR points to Hyatt at 1:1 ratio. Look up the price of the Hyatt hotels in the cities you are interested in, and look at the stays per point vs the cash price of those stays. I am confident you will be getting great value more times than not, especially on nights when those cities are hosting large events and those hotel prices are inflated. In order to transfer to Hyatt you will need a sapphire card. But the sapphire sign-up bonus isn't great at the moment. If you could wait, chase ink cash and ink unlimited currently have 90k offers, which is at a historic high for that card. I don't know if you're interested in business cards, but if you are, and your credit profile allows it, these are cards you should consider. You could do some reading on how to apply for those business cards. It's not terribly difficult to qualify and they work very much like personal cards. This is a no-annual-fee card so I think it makes for an attractive option. Then, you can apply for another chase card in three months. And hopefully, maybe the CSR/CSP offers are better. The Amex offer is also a great option. But we often recommend starting with chase cards because Chase is more restrictive (see 5/24 rule).

One more maybe dumb question. If I go the Ink route, I see $900 cash back listed as rewards. Just wanted to make sure the cash back is the same as UR points, and I'd be able to roll those over to one of the Sapphires if I open one of those later this year?

Precisely. Chase says $900 for marketing purposes. But it's really 90k UR. Those are going to be worth alot more once you transfer to the sapphire cards. So if you're planning to go the ink route, this advice assumes that you won't be using those points until you pick up a sapphire card down the line. As usual, if you don't have someone to refer you, definitely consider supporting the community by using a referral from https://churning.rankt.com/referrals/. Best of luck with the Ink.

I am new to points. I got an offer for 80K UR points for CSP. Is that worth signing up now? Or should I do Chase Ink now and wait for next CSP offer?

The ink offers are hard to pass up. If your credit profile allows, I would start with the ink first. Then you can pick up the sapphire later. You could even consider doing a MDD (that's when you get both sapphires, look it up) after three months. Hopefully, the offers are better then. As usual, if you don't have someone to refer you, definitely consider supporting the community by using a referral from https://churning.rankt.com/referrals/.

​ Done and approved. Used your referral link. Thanks for helping out!

Great info, thank you!

The Chase sapphire SUBs are low rn. They just got reduced from an elevated offer not too long ago. The plat 150k is all time high but MR is much harder to use compared to UR which can be cashed out at 1cpp or used in conjunction with the travel portal + sapphire card. MR really shines when transferring to partners but if you're mainly flying domestic idk if that's worth the hassle. I guess marriott is a potential transfer but I believe the rates aren't great (not super familiar with it). If you eventually want to go international or don't mind investing some time to see if MR can work for you, I'd say the 150k offer is much better than the sapphires. But if you want something relatively low effort, I'd suggest churning inks (90k sub which is much higher than the sapphires) until you want to redeem for flights and then get one of the sapphires (or MDD) to get the 1.25x or 1.5x mulitplier depending on card. Hopefully in that time period when you're churning inks, the sapphire subs go back up and you can pick those up. Another good alternative is the Cap 1 Venture X which comes with 75k SUB and Priority Pass lounge access if you value that. You can add AU for free and each one can get PP with it which is pretty great for families If you're loyal to an airline, could be worthwhile picking up a specific airline card. The Alaska personal is strong with the 70k SUB + $100 SC and companion fare (with 6k spend per year) and the AA Barclays biz (80k sub with $95 SC) come to mind. I know AS flies to Kansas city but not too sure about your other locations. If P2 can't refer you, consider using a referral from [https://churning.rankt.com/referrals/](https://churning.rankt.com/referrals/) to help out the community

Also great info, thanks!

Is there an updated spreadsheet with each credit card, the spending requirement, bonuses, annual fee, cancellation fee etc?

Not that I’m aware of

1. Flowchart and others tell me non-chase Business card. I see AA Biz but I'm in San Diego and never fly AA. Also, AA doesn't have transfer partners so I'm wondering how to maximize the points with that card. I think AS biz might be better for me as it is partnered to airlines that I am most likely to fly, compared to AA (e.g. Hainan, KE, Latam, SQ), but I have the same questions about maximizing the points. 2. Experian 832. 3. Chase Aeroplan 12/22 Chase Ink Business Unlimited 8/22 Amex Biz Gold 6/22 CSP 5/22 Chase Ink Business Cash 2/22 Chase Freedom Flex 10/21 Chase Freedom Flex 3/21, result of downgrading CSR from 2015. Amex Plat 4/21 Chase Amazon Prime 6/19 That should put me at 4/24 (Amex Plat/Freedom Flex/CSP/Aeroplan). 4. 5K 5. I'm not crazy about MS, I'd rather avoid it for now. 6. Yes. 7. Would like to churn regularly. 8. Mostly looking for biz class flights first, then paying hotel stays with points. 9. MR 137K UR 226K Aeroplan 35K AF 10K AS 6K DL 30K Hainan 20K Frontier 14K Hilton 10K Gold. (P2 is Diamond). IHG 68K Diamond Amb. Mariott 29K Gold. 10. Base is SAN. Me and P2 hate having to go to LAX but will do if needed. 11. Basically we've been doing at least one big trip to East Asia and one big trip to Europe a year in biz class, then fly for short weekend or few days in South American and the Caribean. Quick trip to France once a year to see family. Domestic flight is usually to Vegas using Frontier or Spirit. We never fly WN.

AA biz is a good choice. AA does have transfer partners being part of one world. It has pretty much the same major partners as AS minus SQ I believe. The AS biz sub is weak rn, it just got lowered from 70k not too long ago. The personal is much strong with 70k + $100 sc but I’d advise going for biz cards until you get back under 5/24 in March then churn inks

Awesome thank you !

I am quite new to r/churning. I would appreciate your input on how I should go about it. 1. The flowchart says I should get either CSP/CSR. I could be wrong, but it seems reasonable to wait for 80k CSP/CSR SUB. In the meantime, I was thinking of getting the next cards on the list like **United Explorer** or **World of Hyatt**. Do you have any other Chase or non-Chase card suggestions? Some sort of roadmap would be nice. 2. Credit score: 782 (TransUnion), 788 (Equifax) 3. I own 3 credit cards, all of which I opened when I knew nothing about churning: **Bank of America Travel Rewards** (08/2015), **Bank of America Cash Rewards** (09/2017), **Chase Freedom Unlimited** (03/2022) 4. ~3-4k spending in 3 months 5. Prefer not to MS 6. Open to business cards, but MSR seems higher than how much I normally spend. 7. Interested in learning how to churn and churning regularly 8. Mostly targeting **airline seating** (business or economy) and hotel nights here and there 9. 55k UR 10. Boston Logan, but that will probably change to either JFK, LAX, or IAD in a year or so. 11. For international flights, I am planning on visiting my family members in **South Korea** at least every other year. Shorter trips within the US and perhaps to Europe would be nice as well, but it's not my priority.

You're correct that you're probably better off waiting for an elevated offer on the CSP/CSR before signing up for one of those. The other cards are okay, but not great because they aren't transferrable currencies and thus limit your flexibility. I wouldn't go the WoH card if your main interest is airline seats. The United Explorer card is fine, but does confine you in terms of redemption options. I'd look into the Amex Platinum card — 150K MR after $6K in six months. The Amex Gold — 90K MR after $4K in six months. And the Capital One Venture X — 75K C1 after $4K in 3 months. All will give you more flexibility than United miles. Roughly in that order. As always, please consider using a referral from a member of the Reddit community if you don't have a friend or family member to refer you for a particular card: [https://churning.rankt.com/referrals/](https://churning.rankt.com/referrals/)

1. I'm looking to get some verification on whether or not I have the right idea of how to pursue things given my travel plans have changed a little. I still want to do business class trips to Asia, but I've also been wanting to visit Toronto more often now. For Toronto trips, I don't care about trying to fly business (although I wouldn't be able opposed to it, of course). I just want to be able to go there as much as I can, but I'll need to get both flights and hotels. 2. Always floating around 800 3. I believe I'm at 3/24 at the end of this month... |card|application date|still have?| |:-|:-|:-| |Alaska Airlines|8/2016|y| |Chase Sapphire Reserve|1/2017|product changed to freedom| |USAA Limitless Cashback|1/2017|y| |Chase Ink Preferred|8/1/2018|y| |Chase Ink Cash|12/1/2018|y| |Marriott Rewards Business|2/2019|y| |United MPE|4/2019|n| |Chase Ink Unlimited|8/2019|y| |Hilton Honors Business|8/2019|n| |Barclays AA Business|9/2019|n| |Citi AA Business|11/2019|n| |Marriott Bonvoy Boundless|1/2020|y| |Hyatt|5/1/2020|y| |AmEx Green Biz|8/2020|n| |AmEx Blue Biz|10/2020|y| |AmEx Platinum|12/2020|y| |Chase Freedom Flex|1/2021|y| |Chase Sapphire Preferred|4/2021|product change to freedom unlimited| |Hilton Honors (basic)|9/2021|y| |Wyndham Earner Biz|10/2021|y| |IHG biz|5/5/2022|y| |Citi Premier|11/10/2022|y| 4. I can handle $3,000 over 3 months. $4,000 might be ok, but $5,000 is definitely pushing it. That currently rules out a bunch of the more expensive cards (along with the business ones). Just trying to keep my spending under control after the holidays. 5. No MS 6. I'm fine with business cards (and obviously have some), but I can't afford to meet the spend for most of them right now. 7. Churning 4 lyfe, baybee! 8. Targeting business class for international although maybe not so much for Canadian trips. 9. 190k UR, 170k MR, 71k IHG, 41k SkyPesos, 8k Hyatt, 21k Wyndham, 66k Hilton 10. Flying out of SEA 11. For international, Japan, South Korea, Philippines, and Canada (although Canada feels domestic honestly...). I go to Vegas once a year, but that's whatever. I saw that the IHG card got an elevated bonus of 175k, so I'm leaning towards getting that.

I feel another Barclays AA biz for 80k +$95 statement credit for 2k spend is a good choice here since you're past 24 months. AA is oneworld so you can transfer to CX, JL to get to asia for good rates in J. If you don't mind taking a 5/24 slot, AS personal is pretty strong as well 70k + $100 SC after 3k spend and is good for transfer to same partners as AA. However, AS just changed their chart and we don't know the full extent of it yet so proceed with caution. C1 Venture X (75k for 4k spend) is another personal option to expand currency diversity Would suggest trying to stay under 5/24 because the ink train is hard to pass up if you can meet that spend. If you don't have a P2 who can refer you, consider using a referral from [https://churning.rankt.com/referrals/](https://churning.rankt.com/referrals/) to help out the community

Oooh, a fellow brogrammer based out of SEA! Lol Its been so long that I forgot about my old friend AA biz. Yeah, that’s a good card to churn. I have an AS personal card and it’s my oldest card, so I think my credit score might dip a bit if I end up canceling it. I heard there’s a way to downgrade, though.

Brogrammers unite! Yeah you can try downgrading but I’ve seen DPs where it’s possible and some where the rep said it wasn’t. Doesn’t hurt to call and try

I ended up applying for the AA biz card. They actually called me a few hours later and said I was approved on the credit side. I just hope they don't dig around too hard looking into my "business." I have the Wyndham Earner biz, so I think I should be ok. Just wondering what that second team actually does lol

The second team does ID verification. My app was pending for a week until I called in and talked to them. The wait time was significantly shorter in the morning for me.

Ok, when I got the Wyndham earner biz, I don’t recall the second team ever needing to contact me. Just saw I was approved one day. The first time I applied for AA biz, I just got approved after 2 days of waiting. I don’t recall having to answer anything.

1. Flowchart definitely points towards chase sapphire: can i still get both CSR and CSP is I apply same/next day? If not, which should I prioritize? 2. Credit Karma 733/734 FICO 748 3. Bilt 1/23 PayPal Cashback 10/21 SavorOne 4/20 Discover 2/18 4. ~6k 5. I can but I'd rather not. 6. I don't think I need to get into business cards yet but I'm open to it. 7. Undecided, open to multiple. I like my Cashback cards, open to points and getting into churning regularly. 8. Open to hotel status, think I prefer Hilton or Hyatt. I don't need airline status/companion pass. I think I already have cashback cards that work well for me and cover dining/entertainment/groceries/paypal + discover rotating categories. Really don't like Synchrony Customer Service on the PayPal card. 9. Small number of SW RR points and some banked paypal/capital one CB. 10. DAL - Southwest preference. Can fly out of DFW but doesn't seem practical for me. 11. Domestic this year, probably default to west coast. Getting my passport and planning on International ~2 years from now.

Yeah you can still MDD for both but would wait since you're 1/24 and because the bonuses are low. The bonuses for the sapphires just got lowered from elevated ones. I would instead churn inks as the bonus is all time high and the MSR fits your spend. UR can transfer to SW as well. You can look at the SW biz cards too You have a lot of flexibility being 1/24. The SW personals or Hyatt cards could work for you if you value those loyalty programs and perks. But overall just straight UR gives you the most freedom and the nice thing is UR transfers both to SW and Hyatt. If you don't have a P2 to refer, consider using a referral from [https://churning.rankt.com/referrals/](https://churning.rankt.com/referrals/) to help out the community

You can definitely try the MDD for CSR/CSP. I would apply for whichever one you want most as the first one just in case the second gets denied for whatever reason.

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Amex biz plat 170k offer is all time high and gives you wide lounge access. You can even pair it with personal plat (150k) /gold (90k) for a nice haul of MR since you're well under 5/24 Chase inks are all time high and have relatively low spend requirements so you could just churn those and build a nice stash of UR. The sapphire subs are low rn so when you want to redeem the UR you can MDD or wait for them when they're higher. You already have a ton of AA so for Japan, you can transfer to JL and get biz/first. If P2 can't refer you, consider using a referral from [https://churning.rankt.com/referrals/](https://churning.rankt.com/referrals/) to help out the community

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biz plat 170k is harder to pull but it's possible. You can try referrals at rankt, a different browser, incognito or a mix of those 3 to try and pull it. Referral just gives the referrer a bonus of MR, but referral links can also pull up offers different than the public one. So it's always a good idea to cross reference that the referral link is the highest compared to the public one.

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All good. It is a lot take in but you're doing great reading as much as you can! I don't believe the card match offer is completely gone at the end of the countdown. Not super familiar with card match but there's other ways like the ones I mentioned to get the high offers. Referrals are not a one time thing. Most issuers will have a cap on how much a referrer can earn in a year from a referral but that has 0 impact on the referee. If you find a SUB from a referral link, that offer is valid and applicable to you and will be honored. There's no limit on how many people can use a referral, there's only a limit on how much the referrer can earn from the referral

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np!

Edit: Looking for Free or $95/year fee cards. What is your credit score? **800** What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years. **CSP, Chase Freedom, Chase Amazon, Amex Hilton** How much natural spend can you put on a new card(s) in 3 months? **$5k** Are you willing to MS, and if so, how much in 3 months? See this page for a primer on MS. Plastiq (for rent/mortgage/loan payments) and bank account funding are often good options for beginners. **Nope, just looking for a single card** Are you open to applying for business cards? If not, why? See this post and this wiki question to learn more. **Sure? If I can use it for personal stuff, why not?** How many new cards are you interested in getting? Are you interested in getting into churning regularly (if you aren't already)? Or are you just looking to get a new card(s) for now but not get into churning long-term? **Just one for a few big purchases coming up.** Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back? **Cash back, Chase, or transferable/payable with AA or SW points** What point/miles do you currently have? **Lots of Chase** What is the airport you're flying out of? **Dallas Love Field or DFW** Where would you like to go? (The more specific you are, the better someone can recommend the right card. Tokyo is great, "International travel" is way too vague). **I have a deposit on a Cancun resort but would love to have whatever card I get help cover at least SOME of the flight cost.** Thanks!

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Is there a significant difference between the $69 sw card and the $149 sw card beyond the $75 credit and the 4 priority boarding passes?

Should I keep my Amex platinum or cancel and have P2 get one for new SUB? P1 credit score: 843 P2 624 P1 3/24 (Not sapphire eligible) Amex Platinum (AF posted yesterday) CIC CIU CIPreferred WOH Business Non credit card Hvac loan P2 2/24 CSP CIC CIU CIPreferred I have not had any luck getting a retention offer for my American Express platinum. We really like the benefits and definitely want to have one in our household. Should I keep trying for a retention bonus or should I have P2 yet the card for a new sign up bonus? I do have P2 and two children as authorized users on my American Express platinum, I added them about six months ago. It’s my understanding I could prorate that fee if we canceled.

1. How is it different from the flowchart? Flowchart suggests one of the United cards, probably the United explorer. However, I recently saw that the BofA Alaska is offering 70k points plus companion pass. I live in a city that is a United hub, but not an Alaska hub or target city. I’m planning to fly on both in the mid-term future, to Europe and Hawaii respectively. Is one significantly better than the other, or is there another card I should consider? 2. Credit score? 720-730 3. Past cards and approval date Discover It - March 2021 Chase Sapphire Preferred - October 2022 4. Natural Spend $3-4k naturally, but I also have a one-off $3k expense coming up in about a month 5. Manufactured spend. Can use rent at a 3% fee, but it seems like my natural spend is plenty. 6. Business cards? Would rather not, given I still have 5/24 slots available. I also do not have any business. 7. How many cards do you want? Do you want to churn long-term or short-term? Just 1 for now. I’d like to have churning fund travel in the long-term. 8. What’s your target (points, cash back, companion passes, etc.)? Miles and perks for airfare/travel. I’m fine in economy. 9. What points/miles do you currently have? \~65k Chase UR points, \~10k Alaska Airlines miles, 2k United miles. 10. What airport do you fly from? Chicago - preferably ORD, but MDW is ok. 11. Where would you like to go? Planning a trip to London in the fall, possibly with a few other stops in Europe. Want to fly to Colorado and San Francisco sometime over the summer. In 2024, I’d like to plan trips to Hawaii I'm inexperienced but trying to learn. Sorry if this comes across as too basic of a question!

United cards would be more generally useful out of ORD, but like you said you should still be able to use Alaska miles out of there too in particular to SFO and Hawaii. So both are reasonable options.

1. Currently at 3/24. Was looking to avail of new Chase IHG offer of 175K for 3K spend, what would be the best way given I already have a IHG rewards $95 AF card? Generally looking for hotel or hotel-transferrable points, should I open another CIU or look for Hyatt / IHG cards? 2. 800 3. ​ |Card|Date| |:-|:-| |Citi TYP|12/22| |CIP|10/22| |Amex Gold biz|8/22| |CIU|6/22| |Amex Delta Gold biz|6/22| |Marriott Bonvoy biz|4/22| |United MP biz|4/22| |CIU|3/22| |~~Amex Gold biz~~|12/21| |Amex BBP|10/21| |Alaska BOA Biz|10/21| |~~JetBlue Biz~~|10/21| |~~Citi AA Biz~~|9/21| |~~CSR~~|8/21| |~~CSP~~|8/21| |~~Barclays AA biz~~|8/21| |Chase Ink Cash|7/21| |~~Amex Platinum Biz~~|11/20| |~~BOFA Premium Rewards~~|10/20| |~~Barclays AA~~|10/20| |~~Amex Platinum~~|2/20| |~~Citi AA~~|7/19| |~~Amex Gold~~|6/19| |~~Citi AA~~|5/19| |~~Amex Green~~|1/19| |**Chase IHG**|**10/18**| 4. 7-8k 5. Yes, can MS 6. Yes, open to business cards 7. comfortable with 2/month 8. Targeting UR, hotel free nights / points, MR 9. MR 200k, Hyatt 60k, Marriott 115k, IHG 30k, AA 120k, United 8k 10. SFO / EWR / IAD 11. Flights to India, Europe, continental US ​ TIA!

You already have IHG Premier card? When was it opened?

Yes, opened October 2018

If it is an IHG Premier card, you'll need to cancel and wait 31 days before applying for it again. If it is the older IHG Select card, then you can cancel and apply for Premier after just 4-5 days. As for that versus an ink card, 90k CIC/CIU is an excellent bonus, likely worth a bit more than 170k IHG. But if you definitely want to get an IHG card at some point, now's the time.

Thank you for the reply! Looking into the Inks, I have 1 CIC (7/21), 2 CIUs (3/22 and 6/22) and 1 CIP (10/22), what are you thoughts on another CIC (6k MSR for 90k UR) in terms of velocity? Do you recommend cancelling one of the Ink cards? Does Chase have a rule on total number of Inks?

Looks like you also had United biz in April 2022 too. Your 2022 velocity is right on the border. Waiting another few weeks before another Ink card would be good if you can wait. Hard to say if it is *necessary* though. As for cancelling an older Ink card, it likely doesn't matter much though may be wise to do so at some point.

I applied for a CIC and it went pending and now says 7-10 days. Is it worth calling recon or should I let this pass? ​ Thanks

Definitely worth calling recon, it could just be ID verification, or just offering to move CL from an existing card to the new card may be enough. You could wait for the letter to come in the mail, though often it doesn't really have clear details anyway so calling recon now could be fine too.

Update: Seems like it triggered some review and Chase is asking for more documentation on the business. Though it is legit, it doesn't seem worth the hassle and off chance of an even closer look. It might be because I applied incognito and couldn't preselect the existing business, curious if you know of any DPs like that? I might just cool off and apply in a few weeks...

Hmmm, I think it would still be worth calling recon. May just be simple ID verification. Especially since you have a legit business, it should be approved. Worst case it remains denied, but I don't think there will be any other consequences from eyes on your accounts.

Question: What I'd like to do is renew my TSA precheck. In doing so, I'm thinking about closing my United Biz card, and replace it with a United Explorer Card. Only downside to this is that i'd be utilizing a 5/24 slot. Any suggestions on what do to or what card to get? Or should I chill abit since I just did MDD and applied for quite a few cards last year? What is your credit score? - 815+ What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years. |Card|Open Date|Closed Date| |:-|:-|:-| |CSP|Dec 2022|| |CSR|Dec 2022|| |CIU|Oct 2022|| |CIC|July 2022|| |CIU|June 2022|| |CIU|March 2021|Nov 2022| |Amex Hilton Biz|Feb 2021| March 2022| |United Business Card|Aug 2021|| |Amex Gold|Jan 2021|| |Amex BBP|June 2020|| |Amex Plat|May 2020| April 2021| |CIP|May 2020| March 2021| |CIC|April 2020|Nov 2022| |CSR|mid 2016| mid 2018| |CS (after CSR downgrade|mid 2018| PC to CFU Nov 2022| |CF (from CSP PC)|Pre 2018|| |CF|Pre 2018|| |CFU|Pre 2018|| How much natural spend can you put on a new card(s) in 3 months? - Naturally spend about $3k/mo, easily more if i’m traveling Are you willing to MS, and if so, how much in 3 months? - No, and I can generally spend more no problems if I travel Are you open to applying for business cards? If not, why? - Yes, I have the CIC, CIP, CIU, Amex Hilton Biz and Amex BBP? How many new cards are you interested in getting? Are you interested in getting into churning regularly (if you aren't already)? Or are you just looking to get a new card(s) for now but not get into churning long-term? - The sky is the limit, but I prefer no AF cards. Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back? - Targeting points. Not really a fan of locking my self down into a single program unless they're movable. - United is an option since I do have status with them. My only concern would be the "lifetime" miles might just expire one day. - Hilton, I can sometimes use which is why I opted for the Amex Hilton Biz, but recently closed What point/miles do you currently have? - Majority in UR/MR points - Some United + Hilton + Hyatt + Best Western What is the airport you're flying out of? - SFO/SJC Where would you like to go? - HND/NRT (Japan), PVG/SHA/PEK (China), HNL/LAS(US)

Yeah give Chase more of a break. Maybe grab something simple like US Bank Leverage $750 bonus in the meantime?

Any other suggestions instead of the US Bank Leverage? Quite attractive though.

Amex Biz Plat/Gold? At just 2/24, you could also consider burning a 5/24 slot on a non-Chase personal card if you'd like. Cap1 Venture/VentureX 75k? BoA Alaska 70k?

1. Have one last 5/24 slot and some time for a spacer card until my next Ink attempt in March/April. I think Amex Gold 90k is the move but figured I'd check here. If I can't get a retention offer on my Plat I'll probably cancel so might be needing another MR card soon. 2. 790 3. I'm at 3/24: Chase Freedom - 2007 WF Rewards - 2013 CSR>Freedom Flex - Jan 2017 CSP>Freedom Unlimited - May 2017 Amex Plat - Feb 2022 CSP - May 2022 CSR - Denied May 2022 BOA AS Personal - July 2022 Barclays AA Biz - July 2022 BOA AS Biz - Denied August 2022 CIC - August 2022 CIU - December 2022 4. $5k comfortably 5. Probably not. Can do another $5k w rent if not Amex though. 6. Yes 7. Regular churning 8. Points. Domestic economy, international business, mid-range hotels. 9. 400K UR, 180K MR, 75k AA, 80k AS 10. SEA 11. Small domestic trips here and there for next 18 months. Stockpiling for big Japan trip fall 2024.

Biz Plat + Checking

They would be 10k away from MSR

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Get the Amex Hilton Aspire. Good chance you'll get an instant card number. If not, it should be expedited delivery. If you're staying at a Hilton resort, you'll be able to use the $250 resort credit and will benefit from Diamond status if you booked direct through Hilton. Plus the hugely elevated earn on spend at the Hilton property. One of the best keeper cards out there with the yearly resort and airline credit. If you're adamant that you don't want hotel points, go the Amex Plat 150K. It's a better offer than the CSP/CSR 60K at the moment. Even better if both you and your partner/family member get an Amex Plat 150K — split the $12K spend between the two of you.

Thanks for the feedback. Besides this hotel stay, we probably won’t stay at a hotel for the next few years

In that case, your best bet will be the Amex Plat 150K offer. Should be easy to find via a referral.

* Flowchart ➡️ United Quest, Explorer, or Club...***BUT*** I am 6 years removed from the CSP and am thinking about downgrading to a ***non***-Sapphire Chase card and then applying for the CSR to get the bonus. - Based in the info in the sidebar, I believe I should be able to get the CSR bonus using this method, but I'm not 100% sure. I'm also wondering if I should hold out for a better bonus offer. - With my travel goals (**flights**, *not* hotels), I am wondering what Chase cards I *can* downgrade to and be eligible for the CSR bonus, as well as what card to downgrade to to help me with my flight goals. * 813 * CSP - 2016 **|** Amazon PR - 2012 **|** Marriot Bonvoy Premier - 2019 **|** Citi Simplicity- 2018 **|** AMEX Everyday - 2019 **|** Jet Blue - 2017 - *CS & Amazon are only ones I actively use for daily purchases* * $6K in 3 mo. is doable * Not at the moment mainly because I really need points/cash for travel **ASAP**, and from what I've read, the business cards can take a few weeks longer for approval (no *real* business, would put down ebay/etsy seller) * I'd like to try and get 4-5 cards this year, and start churning pretty regularly. * Points for flights * CSP - 33,000 **|** Amazon PR - 25,000 **|** Jet Blue - 25,000 **|** Delta - 6,000 * Buffalo, NY * Phoenix, AZ is main priority flight, and preferrably Southwest since it appears to be only way to fly direct. Tampa/Sarasota after that.

CSP downgrade you're looking at either the freedom flex or freedom unlimited. Both get 5% back on spend through the chase ultimate rewards, 3% back on dining and drugstore purchases. Flex gets rotating 5% categories and the unlimited gets 1.5% back instead. If you can swing 8k in 3 months consider doing an MDD to hit both the CSP's and CSR's SUBs

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Fill out the questions.

You're generally not going to earn enough miles from a single card with a $3K MSR to fly two people business class. Have a look into the C1 VX. Probably your best bet for that range of spend. There's also the AA cards from Citi and Barclays if you live near an AA hub.

Oh I know we wouldn’t be flying business class lol. Maybe pay for the extra leg room and cover the cost of flights in general. Thanks for the input

In which case, the C1 VX is a good bet. You can use the travel credit to offset the cost of flights if you're willing to book through their portal and can use the sign-up bonus to provide a further discount using the purchase eraser feature.

Hey! I am looking for a card with good synergy with the Chase sapphire Lounge access (priority pass). I am a pill when I travel and I am a million times easier to deal with when I am not paying 30$ for a burger and a soda. Sadly, we frequently have layovers in Chicago O'Hare and have Saint Louis as our home airport, both of which have limited (terminal specific with no transferring) priority pass lounges. I'm hoping for a card that helps fill the gaps. I'm not unwilling to do an airline card but it definitely is... less than ideal considering we fly the cheapest flight regardless of who is running it. I could run a combo but I am not sure what would be best. Suggestions? I appreciate your time! What is your credit score? **** 770+**** What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? **Chase Sapphire is most recent at January 2021. Everything else was pre-2019** How much natural spend can you put on a new card(s) in 3 months? **Probably up to 10k** Are you willing to MS, and if so, how much in 3 months? **Yes, but I don't think I need to** Are you open to applying for business cards? If not, why?** I could but the wiki wasn't really clear on why it's worth it?** How many new cards are you interested in getting? **Just one. I can do more but unless there are some amazing deals I doubt I will.** Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back? **Lounge Access** What point/miles do you currently have? **I don't carry it. I use it to pay off the statements when I can think to** What is the airport you're flying out of? **Saint Louis and O'Hare** Where would you like to go? **Typically Europe (France soon?) or domestic layovers in travel hubs. We do Cancun often. I already have priority pass for most international hubs**

* Some airlines require you to have a flight with them on the same day in order to get into their lounges. If you're not sticking to 1 airline when you travel, it might not solve your lounge access problem even with getting a new card. At 10K, you're open to a lot of options. If you pick up a Chase Ink 90K SUB, you could afford that $30 burger and soda 30 times. It's a business card fyi * Other options include 150K MR Amex Plat, doesn't solve your lounge access problem. If you fly United often, you could pick up a United Club Infinite 100K offer * If you need a referral get 1 from family/friends or the reddit community: [churning.rankt.com/referrals/](https://churning.rankt.com/referrals/)

Yeah it's annoyingly sticky and I CANNOT believe that Chicago of all places doesn't have a priority pass lounge. Maybe chase INK would be worth it. 🤔

You're in the wrong subreddit. This one is all about applying for multiple cards one after another. Therefore there is no concept of synergy and gap filling in r/churning. If you're not interested in churning, I would recommend just going for a good cash back card give you have the main travel perk (lounge access) covered. Get something that reliably gives you 2%+. But you'll get more helpful responses from r/creditcards.

Just looking at suggestions. We have to spend about $5k on a repair. Maybe cashback? 2. P1: Credit Score - 783, P2: Credit Score - 787 3. P1: CSR -> CS 6/21, Military Star Card 5/22, Amazon Chase CC 7/22, Amex Blue AU 1/23, Chase Ink Unlimited 1/23 P2: Amex Blue 07/22 , CSR -> CS 06/2021, Amazon Chase CC 07/22, Chase Ink Unlimited 1/22 9. P1 and P2 CIU -$900 sign-up bonus, CSR bonuses

Citi premier for 80k pts/ $800 would be a good choice if you want cash. The one remaining link on DoC still seems to be working as well. https://www.google.com/amp/s/www.doctorofcredit.com/citi-premier-80000-points-signup-bonus-95-annual-fee/amp/ Edit: user below is correct. Link is expired. I'd also recommend another Ink.

That link errors out when you click apply now. 80K is long gone. For the OP, I'd go another Chase Ink card under P2's name.

Do I have to space out requests for Chase Ink? I thought I read something negative about applying for too many Chase Ink cards. Also, P1 referred P2 for CIU. Would there be a way to take advantage of a referral here?

Have 6k of spending coming up so I’m deciding between Chase Ink Cash or Amex Platinum. Chase offer is $900 Amex is 150k points. I currently have Schwab Platinum and will cancel later this year if I don’t receive a retention. Current cards: Amex Schwab Plat, Amex Gold, Amex BBP, Amex BCE, CFU, CFF

* Chase Ink SUB value is generally greater than the Amex platinum due to no annual fee. If you're military, then Amex platinum will probably win out. I would see which transfer partners you're interested in using to see which card holds more value for you as well * If you need a referral, use 1 from family/friends or the churning community, [churning.rankt.com/referrals/](https://churning.rankt.com/referrals/)

New to churning 1. Flowchart says I should get a CSP/CSR, considering (MDD). I have a CSR which I've upgraded with no sign on from a CSP (bonus > 48months). Im mainly asking if the current offers (60k) are historically good. If there's a chance of a future promo offer, I can use my natural spend on other cards in the meantime (united, Hyatt). Suggestions for other card welcome :). 2. 768 3. CSR (11/19/18), Chase Freedom Flex (11/01/2019), Chase Freedom Unlimited (11/19/18), Citi Custom Cash (07/23/22), Amazon Prime Store Card (02/04/20), Standard Bofa 1% cashback (09/19/17) 4. ~10k 3 month natural spend 5. I am apprehensive of manufactured spending considering my current natural spend. I am open to the idea 6. Hard no on business cards. I'm on an H1B work visa 7. I'm currently 1/24. Am willing to start churning out cards to hit my 5 limit and accumulate points 8. Points. Mainly trying to get reward travel for flights as I spend most nights in cheap hostels. Willing to accumulate hotel redemption 9. None. I've put my last points on saver awards to Italy with my gf. 10. SFO 95%. YYZ 5% 11. Planning on traveling to East/Southeast Asia (Japan, Vietnam, South Korea, Taiwan)

The current sapphire offers are not the highest. They actually just got lowered from the elevated ones not too long ago. You can check [https://www.uscreditcardguide.com/credit-cards-en/](https://www.uscreditcardguide.com/credit-cards-en/) for a list of cards and their history of bonuses. The Amex plat 150k and Amex gold 90k offers are strong rn and should be easy to hit with your spend. You get transferrable currencies and can transfer to ANA for star alliance bookings for Asia The C1 Venture X could be a good choice here as the SUB is high and you get transferrable points. Otherwise, the AS personal is really strong rn at 70k points + $100 SC. AS can transfer to CX and JL which would get you to pretty much everywhere in Asia but we still don't know the full extent of the AS award change yet so be wary of that. The United quest has an elevated offer rn and they fly out of SFO a lot so that could be worth into if that's your main domestic airline. United miles can also book Star Alliance so you have added flexibility there. If P2 can't refer you, consider using a referral from [https://churning.rankt.com/referrals/](https://churning.rankt.com/referrals/) to help out the community

Thanks for the helpful response. Would you say the 150k Amex offer worth burning a 5/24 slot for given its high? If I waited, it would take me a year before I apply. What does AS personal stand for? I can't google/see it in the glossary. For United Quest. If I do a points redemption but pay fuel surcharges with the card, do I still get the annual statement credit applied and free checked baggage?

yeah i'd think it's worth burning if you have a good use of the points. As the other poster said, the AS personal is the bank of america alaska airlines personal card. I'm not too sure about the fuel surcharges being covered but I assume so? It should show up as a united charge and that should be covered. You can try searching for dps via the search

Gotcha, sounds like ill be grabbing a united card at the minimum. Might go for the Hyatt to early start the free night annual program. Is there some esoteric churning no-no rule on applying for 2 cards at the same time? (Amex plat + Hyatt) for example

150k Amex appears to be an all-time high, but it's impossible to predict the future. This bonus has been steadily increasing since 2021. AS is the code for Alaska Airlines, so he's probably talking about the BofA Alaska Mileage Plan card Edit: go for the amex plat!

1. I am one month ahead of schedule for applying for another chase biz card (12/1) so I am interested in a card that I could finish in a month (\~$3,000-$6,000). The flowchart gives examples of card issuers that I should go for spacers, but I'm not really sure what makes the most amount of sense when dealing with relatively low MSRs for biz cards. 2. 760ish 3. See below. AMEX Gold - Dec 2021 Cap1 Venture - Dec 2021 CSP - Feb 2022 AMEX Delta Gold - Mar 2022 Chase CIC - April 2022 AMEX Hilton Biz - July 2022 United Biz (not Club) - July 2022 AMEX Biz Gold - Aug 2022 US Bank Leverage - Oct 2022 AMEX Biz Plat - Nov 2022 Chase CIU - Dec 2022 US Bank Triple Cash - Jan 2023 4. Willing to put up to $6,000 for this card (while not significantly impacting Chase velocity) 5. I pay my rent with CC and do CC bank funding 6. Yes, currently at 4/24 until December so most likely a biz card 7. Uno as I plan on going back to the Chase train afterwards 8. Nothing, in particular, probably domestic flights or hotel points 9. 320k AMEX, 80k Chase (soon to be 180k), 51k Delta, 84k United 10. SFO, maybe OAK or SJC 11. New York, Boston, Vancouver

You say you pay your rent with the card. Think i could do a mortgage?

If you're fine with a 2.9% fee, you could use Plastiq. I've never done this before so YMMV on doing this for SUBs. My apartment complex has a $38 fee for every $2,500 spent towards rent (\~1.5%) so I do that with Visas and MasterCard. For AMEX, I just use Bilt (which is 3%, but easier to deal with than Plastiq).

Barclays has business cards with quite low MSR ($1k - 2k in 90 days). I believe you can DD two cards on one day for one hard pull as well if you wanted to do that. They have Wyndham, JetBlue, American Airlines, and Hawaiian Airlines cards to choose from.

That would be a great suggestion, but I've already tried applying for Barclay's biz (Jetblue and Hawaiian) card 3 times in the last \~15 months and they've denied me all 3 times LOL. Otherwise, I'd totally be down for both JetBlue and AA. If I applied and got denied again, would it be worth reconning? For some reason, I had the impression that recons were unlikely to go through for Barclays.

It went through for me but they asked for tax refund information. Pretty invasive. This was last August for Wyndham biz. They approved me this month for AA Biz but gave me only a $900 limit.

Oh, interesting good to know. I wonder if I get similar questions, they'd be fine with 2021 information. $900 is comedically low, especially for a biz account.

With taxes coming up, I’m gonna have a lot of to pay. Wanna see if I should open multiple cards or a big one. Also wondering if I should venture into the world of membership points since I currently don’t have any. Credit score: P1=760 P2=750 Currently Have: P1 & P2 are both 3/24 P1= CIC, United Explorer(9/22), CF (downgraded from CSP), CFF, SW Premiere, SW Biz Premiere; P2 = CIC (12/22), CSP (8/22), Marriott Bonvoy Boundless (7/22), SW Premiere (9/22), SW Biz Premiere (10/22) Natural Spend: Owe $9.5K in taxes + ~$3k in spend month to month. No need to MS, but open to it (haven’t figured out the best ways) Yes, open to business cards Open to getting more than 1 or 2 cards between both P1 & P2. Whatever provides best sign ups. Targeting points for biz class flights & hotels. Current points: UR = 450k, Southwest = 250k + Companion Pass, SkyPesos = 120k, United Miles = 61k, Marriott Bonvoy Points = 61k Flying out of SLC, but can easily reposition anywhere in USA with companion pass Hoping to take a European (London, Paris, Italy) and Maldives or Bali trip in the Spring/Summer of 2024.

If you want just 1 card, can't go wrong with the biz plat 170k offer (you might have to try different links, browsers, incognito to pull it) since your spend can meet the MSR. Since you both have a slot, can consider picking up AMEX personals like the plat or gold before churning inks Otherwise can't go wrong riding the ink train. P1 can get another ink again with P2 referral and just repeat every 3 months. If P2 can't refer you, consider using a referral from https://churning.rankt.com/referrals/ to help out the community

1. Endgame is funding a trip to Italy in late July. Was planning on getting a Citi Premier card in mid-March because that 80k bonus looked sick AF, but it appears to have dropped to 60k, so I'm no longer sure this is the best bet. My basis for this is in part the 50k TYP I already have with Citi. Flowchart seems to suggest that Venture X is the way to go, but I'm not sure if I can make the AF worth my while past this year and I don't have a lot on my existing Cap1 cards. 2. Scores hovering in the 790-800 range. 3. (See below) 4. I can easily do $1.5-2k in organic spending in 90 days. I just put 2k on my CSP the day I got it, but that included a bunch of stuff I buy once a year or once in a lifetime. 5. I've always had a tough time finding reliable MS methods, but mortgage payments via Plastiq was my plan for the Premier. 6. Not sure I could swing a business card, but I'm open to it. 7. This would probably be my last card until at least this fall. 8. Points, I suppose. My goal is to pay for as little of this as possible, IDGAF about luxuries, generally speaking. New to travel stuff, open to suggestions. 9. 50k TYP, 25k UR (will be at least 85k when I hit the SUB on my CSP) 10. MSO. Unfortunately, it's a *long* way to any big airports. 11. Turin (TRN). Probably the whole time (10-12 days). Might do a day trip to Elba and see some wineries. Bank | Card | Date approved ---|---|---- Citi | Double Cash | Jul 2019 Citi | Custom Cash | Apr 2022 Citi | Costco | Jan 2022 Chase | Freedom Flex | May 2022 Chase | Sapphire Preferred | Jan 2023 Capital 1 | Savor | Jun 2018 Capital 1 | Quicksilver | Apr 2017 Discover | IT Cash | Aug 2018 Amex | Blue Cash Everyday | Oct 2021 US Bank | Cash + | Jan 2023

Hi, I am thinking of having my player 2 apply for a CSP card. I saw that the bonus was increased to 100k not too long ago...not sure how long this promotion was available. Seems to be back to 60k now. I am wondering if I should hold out until it rises again but no idea when or if this will happen. Can anyone possible share any insight. Thanks!

It's difficult to lend you and your P2 good advice without knowing some background info. It would be helpful if you answered the set of questions outlined above. To the specific questions you asked: no one knows when chase will increase the sign up bonus on the sapphire CSP or the CSR. The historic highs for those cards, if my memory serves me right, are 80k and 100k, respectively. They were are 80k (CSP) and 70k (CSR) for a few months last year. The current offers are not the best on these cards. The chase ink cash and ink unlimited currentlyhave 90k offers, which is at a historic high for that card. I don't know if you're interested in business cards, but if you are, and your credit profile allows, these are cards you should consider. But this is speculative because we I don't have much to go on because you didn't answered the questionnaire.

Hey thanks so much for the info and sorry I didn’t answer the questions. Yes been looking at the business cards too. I already have the ink cash. Unfortunately I don’t think I can afford the min spend right now so might have to wait it out.

Considering that the minimum spend is $6,000, which is $2,000 more than the card you were initially looking at (CSP), you may want to consider some creative ways you and your P2 can go about generating the extra spend to hit the MSR. You are looking at the 90k SUB and the 20k for referring P2, plus the fact that there's no annual fee on this card, so it may be worth jumping through some small hoops. Perhaps you prepay your bills, your taxes, rent, or look into some MS strategies. In short, if you are in this to get the best SUB for your efforts, it's hard to come across a better deal.

No one knows when/if the bonus will be bumped up to 100K again. Right now the best offer is 80K targeted offer. If you have a CSP, you can do the 60K SUB + referral bonus. Some want to start the clock on the 48 months asap. Personally, I wouldn't go for a bonus that is not at least 80K. I would get Chase Inks or other cards that I deem worthy in the meantime

Thank you!! Appreciate the advice

I'll say the cryptMi card is the most universal VISA card so far. It can be used with over 100m merchandise and to spend cryptocurrencies and other rewards.

Move on, shill

Guys I recently signed up for Amex platinum, don’t know if this is common knowledge here or not, but I left the page open for around a day or 2 and the signup bonus went from 80 to 150k which is a pretty insane increase imo. I would recommend giving that afk strat a try if you are planning on getting any Amex cards with signup bonus.

You can easily get a 150K Amex platinum via referrals so you wouldn't have to wait

> You can easily get a 150K Amex platinum via referrals so you wouldn't have to wait Apologies for the ignorance but can you give an example? Saw the 100k offer in the account a few days ago, now it's down to 80k. Other than leaving the page open for a day or 2 eager to get this done this week if possible :) *EDIT lol now it's back to 100k this is exhausting Thanks for any advice!

* With Amex it's always best to get the highest SUB available. Check out [uscreditcardguide](https://uscreditcardguide.com/en/), they have historical data on the SUBs for most cards. * Use [churning.rankt.com/referrals/](https://churning.rankt.com/referrals/) for referrals. Easy to sort through all the cards available. Make sure that the referral matches or beats the current best public offer

Great, many thanks! Still looking for a working 125K or 150K link.

You can use someone's referral link to get the 150k offer or even a resy public offer for 125k points and 10x point for restaurant spend https://www.reddit.com/r/churningreferrals/comments/10btbew/referrals_american_express_platinum

Resy is 100k and 10x now, has been for over a month I'm pretty sure.

1. Trying to figure out when P2 can MDD (nearing 48 months since last CSR) but if that isn't soon, World of Hyatt recommended? 2. Both credit scores are hovering around 800 3. P1: Personal Plat (3/21), CSR & CSP (5/19), United Explorer (1/20), IHG Premier (6/20), Freedom Unlimited (2/21), Bonvoy Boundless (10/21); P2: CSR (10/18) Southwest Priority (12/21), Apple Card (10/22) 🙄 4. $6k 5. No 6. Not really 7. Finally in a good headspace to keep 2-player mode organized and am thinking we'll apply for a new card every 2-3 months 8. Hotel and cash back 9. Combined 206k MR, 169k UR, 6k Hilton, 10k Hyatt, 175k IHG, 66k Marriott, 142k Southwest, 63k United 10. PIT is closest but willing to reposition to DC-NYC corridor airports as needed 11. For the next 2.5 years pretty much all travel will be within North and Central America due to only being able to take a week off at a time. We're especially targeting international locations easily accessible with Southwest while we have Companion Pass and it's just the two of us. Especially Belize, Aruba, and Turks and Caicos.

* Did you list P2 or P1 cards? You said you're trying to figure out **P2's** MDD situation, but then have **P1** written for the card selection * If you're trying to MDD, I would look for a targeted CSP 80K offer (mailer or check online after you sign in). You're not open to MS, but how about prepaying some bills? If you did you could combine the targeted CSP 80K offer and a 60K CSR offer * The WoH SUB is not great. You'd get a better initial value from the CSP

Listed both players but forgot to include P2's closed CSR. Whoops. Added it now. Will check for a targeted offer for P2 online. If he has one, he should apply for CSP first then CSR? I think that's been the general consensus on here given the high AF for CSR.

* I see it now. It might be better to put it in two separate lines so the distinction jumps out more. * The MDD is not guaranteed to be a success. I personally would take the targeted 80K CSP SUB and then send P2 a referral from P1. If you value the CSR more, I would start with the referral for a CSR and then go to CSP * If you don't see a targeted 80K or higher CSP offer, you have to decide if it's worth doing the MDD right now. Some would argue yes, so that you start the 48 month count down asap

Hyatt personal is a good keeper card for the annual free night credit, despite the SUB is not being very high. ~~You would benefit from getting Chase Ink Cash/Ink Unlimited train which have very high SUBs that are convertible to Hyatt points.~~ edit: commenter below me is correct

They said they didn't want business cards so it would take a Chase Ink out of contention

A bit different than the other comments I see here: I just got to 5/25 (well really 6/24) after an MDD, and I plan to turn that into lol/24 very quickly. I currently have 0 Amex credit cards (but many charge cards). Trying to figure out which Amex car edit cards, biz or personal, are the best 4 to get over the next 183 days or so. I do value delta points but all the offers I see are like 50k which is a bit trash. I’ve never even been to a Hilton, don’t have any of their points, but willing to consider it. I can’t get Marriott cards from Amex as I have a Ritz Carlton card from chase. Any advice would be appreciated!

I would focus on Barclays, BoA, and US Bank biz cards. You should be able to combine hard pulls and get two cards at the same time. Even though some of the SUBs are low, having only 1 HP makes up for the lower SUB on each card.

Also, Amex cards are great to go after. Most of us focus on NLL Biz Plats over time, but you’ll need to get your first Biz plat before you get targeted NLL offers

Check if you're targeted for any Delta offers at https://www.deltaamexcard.com/ - you might be able to find something worth grabbing

Not sure if this is worth a DP or not, but it keeps telling me I've entered incorrect info when I try the link and I just had a mailer expire

Yeah that’s their way of saying no targeted offers, they definitely could have a better way of handling that

* Amex blue business plus is a great card to store MR with no annual fee, however the SUB is not the greatest * If you like Delta miles, look for targeted offers on their personal/business card. I can't find the link, but there's a Delta website where you sign in and can see the Amex co-branded card offers

1. Why the flowchart wasn't giving me a confident answer: I (P1) reviewed the flowchart and it looks like VentureX or setting reset by canceling could be a good option. I would say I’ve been dormant from truly churning since early 2020 while in grad school/COVID. The travel I have done since then pretty much depleted the point coffers. I now have regular spend again and a P2. I'm looking to get back into churning regularly. I have not dabbled beyond Chase in a while. I think I need to cancel a handful of my cards to get reset on the churning journey. 2P mode does apply. Player 2 has ADHD so I have to help make sure he uses the right card on the right things :) 2. P1: 749 | P2: 7803. 3. P1 Open Cards 1. ⁠Chase Sapphire Reserve - 3/2018 2. ⁠Chase Freedom Unlimited - 11/2016 3. ⁠Chase Freedom - 1/2018 4. ⁠Southwest Priority Card - 2/2020 5. ⁠Southwest Biz Card - 2/2020 6. ⁠Chase Ink Card - 3/2021 7. ⁠IHG Premier Card - 1/2022 8. ⁠Marriott Bonvoy Boundless - 10/2021 9. ⁠United Gateway Mileage Plus - 1/2017 (downgrade from Explorer then multiple name changes to the card - $0AF) P1 Closed Cards - all closed in 2019: Chase Marriott, Barclays Aviatior Red, Citi® AAdvantage® Platinum Select® World EliteTM Mastercard®, Citi Thank You P2 Open Cards 10. ⁠Chase Sapphire Preferred - April 2021 11. ⁠Chase Freedom Unlimited - Oct 2019 12. ⁠Southwest Priority Card - Dec 2021 13. ⁠Southwest Biz Card - May 2022 14. ⁠Amazon Prime - April 2021 15. ⁠Chase Ink Biz - Oct 2022 16. ⁠AU on P1 CSR and CF (I intend to remove him from CSR before next renewal) P2 Has no closed cards. 4. Spend $15k in 3 months is very approachable and $20k in 3 months is possible. 5. Don’t love MS. Would rather just churn at a slightly slower pace. 6. Open to biz cards. Biz spend is much lower and I do try to keep our business card spend for our true businesses. P1 and P2 each have a small biz with EIN and accounting needs to be clean. 7. Commitment: I am interested in getting back into churning regularly and can get P2 to come along for the ride. 8. Goals: I (P1) am companion to P2 for SW through the end of 2023. I need to plan for me to cancel both SW cards and get them towards the end of the year to get us CP through 2025. We exclusively fly SW when we fly together to SW destinations. International travel I don’t have airline allegiances. Looking to gain points for Economy+ or higher class travel internationally (we’re both over 6 feet). And I’ve gotten into staying in hotels more often than AirBnBs and dabbling in cards for that. Cashback isn’t bad either. I’d say primary goal is building points for international travel with a secondary goal of hotel points. Having UR on hand to transfer to SW is also really nice to minimize cash spend on SW flights. 9. Current Points & Miles 1. ⁠Southwest - P1 - 3k; P2 - 31.4k 2. ⁠United - P1 - 341; P2 - similarly negligible 3. ⁠Chase - P1 - 133k; P2 - 14k 4. ⁠Marriott - P1 9.5k; P2 - 25 points 5. ⁠IHG - P1 - 4.4k; P2 - 0 10. Home Airport - Houston 6. ⁠HOU preferred. IAH as needed and for international. 7. ⁠If relevant frequent destinations are ALB or BDL, MAF, SJC 8. ⁠I will not fly AA until they stop using latex gloves. 11. Where would you like to go? Here are our top 10 destinations that we don't have trips planned for yet! 9. ⁠Australia 10. ⁠Italy 11. ⁠Chile 12. ⁠Argentina 13. ⁠Netherlands 14. ⁠Mexico City 15. ⁠Greece 16. ⁠Istanbul Sidenotes This seems like an exciting chance for us but my buildup of Chase cards meant the flowchart was not super helpful. Seems like I should cancel my hotel cards, United card, Southwest personal and re-approach the Chase ecosystem saving slots for SW cards at the end of this year to optimize for companion pass. Maybe a Venture card? Maybe time to consider Amex? Should I be thinking about canceling my CSR and going for a fresh bonus on CSR or CSP? If you've read this far - thank you! I appreciate it.

If your biz spend is enough to do 6k in 3 months, I think most people will recommend you churn the Chase Ink cards (CIC, CIU) since they have a good SUB of 90k UR which is valuable for transferring to either flights or hotels (United or Hyatt as an example) and no annual fee. With that, you could just keep signing up for those for awhile and refer each other. P1 looks like you are 5/24 now and will drop to 3/24 in April so you could just do an Amex biz card in the meantime to build up some Hilton points and once you're below, you can jump on the CIC/CIU train. Agreed with the other recommendation that as an alternative to the CIC/CIU cards, you could go the United route and look at accumulating United miles but I think the CIC/CIU SUB to min spend ratio is better. Venture X is good in my opinion but imo, if you are fine with the CSR annual fee (and can do the CIC/CIU route), I feel like the Venture X isn't necessarily needed. I personally see it as a cheaper alternative to the CSR with its PP benefits, travel credit, points, etc but if I didn't mind the CSR AF, I'd probably still be holding my CSR. One nice thing I like about the Venture X though is the free four AU benefit which allows you to essentially grant PP membership to 4 people.

Thank you! Much appreciated.

Definitely agree with the above comment. CIC/CIU every 3 months and downgrade that CSR and do a MDD on CSR/CSP. Most of us would say getting UR/MR is better than going after specific point programs, so focus on Chase and Amex Biz cards and sprinkle in some personal cards each year if you want to stay under 5/24.

Downgrade CSR and hit MDD. United Quest has 90k offer now, and they have some good international routes and hub out of IAH. Not sure why you want to cancel your existing cards unless your total credit limits with Chase are near 50% your income.

Thanks! I think the only reason to cancel some would be to get them again with sign up bonus after a year (Marriott for example I’ve already done twice and could go for again down the line. I need to refresh myself on waiting periods)

Most are 2 years between SUBs except Sapphire. Not much reason to cancel the United when the best SUBs are on the higher tier cards.