- Centurion Member
- Posts: 1468
- Joined: Tue Jul 31, 2012 12:20 pm
- Location: United States
Today, I applied for some cards.
I applied for the Barclaycard Arrival card. I'll use it for non-bonus spend where Amex isn't not accepted. Otherwise, I'll pull out the SPG card for non-bonus spend.
I applied for the Blue for Business Amex. I don't plan on spending much on it (even though it gets a 30% point dividend at the end of the year), but it comes with 10,000 MR points and has no annual fee. That means I can keep it open indefinitely and keep a MR account open even if I'm cancelling/churning Amex charge cards. I capped out my eligibility for Amex revolvers (called lending cards in Amex language), so I had to cancel my HHonors Amex. No loss there. AXON awards are pretty useless these days.
I applied for the Chase Ink Classic. I don't want to pay the fee on the Bold and already got the lounge access for 2014, but I want the bonus categories. Chase wouldn't let me change the Bold to a Classic, so I had to apply. I get 20,000 UR points and no annual fee, so again, a keeper for bonus categories like cell phone, cable, internet, and office supplies. Ink earns me about 1500 points a month without even messing around with manufactured spend.
So, what does that leave -
Freedom for quarterly bonus categories;
CSP for restaurants and travel;
Ink for cell phone, internet/cable, gas;
SPG for non-bonused, Amex accepting vendors; and
Arrival for non-bonused, Amex rejecting vendors.
The Business Gold will get upgraded to Business Platinum sometime in January and the personal MB Platinum will get the ax. I considered downgrading it to the PRG, but I don't spend enough on groceries (Costco doesn't code as groceries), gas, and airfare to make the annual fee worthwhile. Plus, if I ax the MB Platinum, I can be eligible for those snazzy 100k offers that come out once a year. The upside is a possible doubling of my current MR balance. The downside - no personal charge card, which gets a rousing "meh" out of me.
There we go. Another quarter of fun.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]