What credit cards should I get next?
Based out of NYC area, hold the Amex Plat, Gold and Chase Sapphire Preferred. Currently 5/24 but falling off in January so planning ahead. Monthly spending: 10k, 4k rent, biggest categories are food/alcohol then travel then shopping. Have mostly been redeeming points for aspirational travel, business class and 4/5 star hotels. Also happy to answer any questions about churning, point games, travel, etc. I do buy business cash fares occasionally too. TC: 400k
https://10xtravel.com/best-credit-cards/ Chase Ink Preferred. 100k point signup bonus. I opened it based on consulting for less than $1k per year. DM if you need rederral link. Biz cards don't count toward your 5/24, either.
Can’t safely do business cards on H1B
Bilt
Great suggestion, I’m trying to decide whether to prioritize it over a SUB or holding for status/anniversary on Chase United/Marriott/Aeroplan/Hyatt though
I know you said you have an AMEX Platinum but I just want to say that card is fucking dooooooope
I considered chasing the Centurion when I thought spend was only $100k-200k, but that seems solidly out of reach now
Thought you’d know Centurion is an awful card for how much it costs. The benefits are barely better than platinum but the annual fee is thousands. It’s purely to flex.
Use BILT Mastercard and get 1x points on that rent payment. I love my BILT card. Please use my referral if you join! :) https://bilt.page/r/F20L-FY5D
Bilt is great, especially in nyc. Bilt dining gives 5x on select restaurants + amex gold 4x points too. Sometimes i go to a random restaurant, use my amex, and then realize it’s also a bilt restaurant :)
+1 to Bilt
Venture X? Dm for referral
Have you explored chase aeroplan? Giving 75k / 100k sign up points and 25k for current and next year. With the eupgrades, it seems like a good one to have especially with travel in biz class and star alliance servicing your routes.
Super high on my list, I'm considering pulling this next or WoH/Marriott Boundless if there's a good SUB. It'll be extra funny if this is churnable, so you can almost always have the 25K status.
Tell me more about always having the status? 🤔 I'm considering it too! I think the card requires minimum spend for always keeping 25k status, not sure if that's what you meant?
Is it worth having the Amex Plat and CSP?
Lots of places don’t take AMEX, so a CSP/Visa/MC in general is useful. CSP is a good intro Visa with good bonuses and good transfers, and I do enough one night stays when I travel that the $50 credit is usable. CSR/CFF/CFU is a more flexible setup than APlat/AGold/ABBP, but I prefer the Plat and it’s transfer partners.
Which card will you recommend for regular traveler?
Capital One Venture X - $395, but $300 rebate on portal travel bookings and $100 worth of points every anniversary. Super simple 2% card for everything with decent benefits. If you can swing $300 portal bookings every year (just a two night stay or single domestic RT) then it’s a super simple single card setup with a lot of basics like purchase protection, PP (kinda worthless nowadays), no FTF, travel delay insurance, and so on
I was going to suggest this card OP . You didn’t mention if you had it