I have six annual fees coming up, and want to get some advice.
# | Card | Date | AF | Anniversary |
---|---|---|---|---|
1 | JetBlue Plus | Nov 16 | $99 | 5,000 pts |
2 | Chase Sapphire Reserve | Nov 16 | $450 | $300 Travel |
3 | Chase Ink Plus | Dec 16 | $95 | |
4 | JetBlue Business Plus | Jan 17 | $99 | 5,000 pts |
5 | AmEx SPG Personal | Apr 17 | $95 | |
6 | AmEx SPG Business | Apr 17 | $95 |
JetBlue Cards
Ink Plus
Pros: Great MS card with 50k category spending. $1,900 in MS will generate the $95 cash needed for the AF. It can be offset by less if I still have the Reserve.
Cons: I barely hit 10k in category spending, so I didn't really exploit it. I've also moved over 400 in monthly cell phone bills onto the Ink Preferred for the Cell Phone Protection.
Analysis: Ink Cash can do 25k of that category spending with no AF. If I get another Chase business card and PC to a 2nd Ink Cash, I could hit the 50k MS opportunity if I wanted to. So should I just cut the Ink Plus now that I have the Ink Preferred?
AmEX SPG
Pros: SPG status, Boingo Hotspots, AmEx offers, and valuable Starpoints for everyday spending. Also, Executive Lounge benefit for the SPG Business card.
Cons: I just got the Biz Plat, and have a higher SPG status, along with the hotspots and AmEX offers. I put all my everyday spending on churning, so I can't really exploit starpoints.
Analysis:I've never used the lounge benefit, but it might be useful in the future. Biz Plat will expire 6 months after the SPG, so I might want to keep one to have the Boingo and SPG status benefits for 2019. But Even if I keep the SPG Business, is there any benefit to keep both SPG cards? Unlike the JetBlue cards, this doesn't seem readily apparent.