Callmedory wrote:But Husband is against annual fees generally, so we might go for the “non-Preferred.”
I'd recommend considering your projected spend and rewards (i.e. total benefits versus cost) instead of just being AF averse. In some cases rewards can more than just mitigate AF's but you have to consider your specific spend.
Also consider the the CSP can be PC'd to the regular Sapphire to avoid the AF after the first year. CSP has a 40K bonus with spend while the Sapphire only has a 10K bonus with spend. 40K would easily cover 4 years of AF on the CSP.
All that said, you have to do what works for you. Many insist on avoiding AF's at all costs and that's their call to make. Just trying to point out the options for you though it sounds like I'm late anyway. If you can't take advantage of Ultimate Rewards's transfer partners then the UR points may not really be worth all that much to you.
Callmedory wrote:I'm still wondering if paying off our mortgage in 2 years, our only loan, will affect our credit score
It will but it's difficult to say by how much. As stated above, with 800+ scores you have plenty of padding. It's really your call but I'd guess that saving the interest is probably worth more than the lost points. Closed accounts in good standing continue to report for 10 years so you have some margin in terms of time as well.