-I have good income-
-I have a Capital One Visa, opened 10 years ago, with $6000 limit (highest balance ever was probably $1500)
-I have a BOA Mastercard, opened 9 years ago, with a $10k limit (highest balance ever was $5200)
-I have always paid my full balance each month, never been late
-I have a motorcycle financed that I'll pay off 1.5 years early in a few months
Nothing else on my credit, last I checked it was around 780 or so.
I would like to leave open but stop using both of the above cards as they give me no rewards, I have narrowed it down to 3 cards..
1. Southwest Chase Premier (only because of the 2 free roundtrip flights)
2. Cap 1 Venture Rewards
3. AMEX Blue cash preferred (I was always weary about how widely AMEX was accepted..)
I live in an apartment, have a paid off car and don't plan on making any major purchases any time soon.
My spending habbits are usually ~$550 grocery, ~$150 gas, ~$400 dining/bars (more bars than anything), ~$200 shopping, then random stuff. I typically spend about $1800 a month on average. All my other bills (rent, cell, insurance, gym) come out of my checking account.
Assuming the Southwest 2 free roundtrip offer wasn't available, I'd just open the other two.
Sidenote, could I use bill pay to pay my rent and get credit for it? Hadn't really looked into that.
I don't want to "damage" my credit but opening too many cards at once but how bad would it really be? Open all 3 (maybe a month or so apart?), close the Southwest one in probably two years and use the two new ones primarily and the other ones very sparingly if any for the foreseeable future?
Any input would be appreciated!