What Card Should I Get? Weekly Thread - Week of December 23, 2020

  • Recently got below 5/24 and want UR/Hyatt. Next two won't drop off until 10/2021, so I feel like I should probably hold off on the Hyatt card. But wondering about my chances for another Chase biz card given two currently open Ink cards and lower credit score after new mortgage/auto loan this summer. Don't think I can meet the MSR for CIP, so the options are a CIC or another CIU. Other options I'm considering:
  1. Hilton Biz or MR earning Biz card with referral from P2 (for 30k MR)
  2. AS Biz, although not sure if they have any anti-churning measures (got one in 5/2019, closed after a year).
  • What is your credit score? ~745 EX, ~740 TU, ~730 EQ

  • What cards do you currently have or have you had in the past?

Currently 4/24 (in bold): Discover IT (6/2016), AA Citi Plat (7/2017), CIP1 (7/2017), CSP (10/2017), United MPE (12/2017), BOA AS Personal 1 (3/2018), Amex DL Plat (3/2018), Bonvoy Biz (8/2018), USB AR (11/2018), BOA AS Biz (5/2019), BOA PR (9/2019), BOA AS Personal 2 (9/2019), CIU (11/2019), Amex Green (1/2020), CIP2 (3/2020), Synchrony home (8/2020, lol didn't realize furniture financing meant opening a card, whoops)

  • How much natural spend can you put on a new card(s) in 3 months? no more than $3k per month

  • Are you willing to MS, and if so, how much in 3 months? pref not to

  • Are you open to applying for business cards? If not, why? See this post and this wiki question to learn more. yes

  • How many new cards are you interested in getting? thinking a few business cards over next few months

  • Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back? interested in UR/Hyatt points most, also interested in MR, Bonvoys, Hilton, AS miles, DL miles

  • What point/miles do you currently have? 190k MR, 20k UR, 70k AS, 30k DL, 50k Bonvoy, 10k Hyatt

  • What is the airport you're flying out of? SEA

  • Where would you like to go?

Planning a Fall 2021 or Spring 2022 trip to Tokyo. Current MR stash should be enough to get us there in ANA J but still need points for hotels. Also thinking about 2022 trip to Bora Bora or Paris, so would need some combination of MR/UR/Hyatt/Hilton/Bonvoy.

/r/churning Thread