Well, here’s hoping you don’t get the spark approved. Even being a business card, Cap one and discover biz still show up on credit reports whereas BOA, chase, Barclays, amex, us Bank, etc do not.
I’m also going to go against the grain of everyone in this thread. Yes, CIP is good and you should get it, but you need to set your sights significantly higher with that level of spend. I do about 35-40k/mo through my company and the most important thing for you is diversity and spreading it out amongst many banks as you’ll spend faster than you can get cards.
Amex Business Platinum should be your must have. I’ll dig up a phone number for a rep and PM you it. You should get a 100k/$10k offer. Additionally, you can still triple dip the travel credit if you apply ASAP and get grandfathered in at the $450 annual fee to boot. You can both get this card.
2nd, as mentioned, a CIP. The second you get it in hand, refer DH (or vice versa).
That eats up $30k right there. If you have a minimum of 4 year credit card history, get a citi AA Biz each as well for each of you- there’s another $8k.
We’ll chat again in a month and have a ton more cards to get then.
That all said- please read this before doing anything:
https://www.reddit.com/r/churning/c...ertext&utm_name=churning&utm_content=t5_2vrf0
This hobby is fun and it’s incredibly rewarding. But it does have pitfalls. If you aren’t extremely disciplined and organized, it can bite you in the ***. You also have to fight against the natural psychology change that spending money = points = points are good. So spending money = good. You cannot change your spending habits. At all. If you do, you lose.
You can start out slow, but if I’m you, I jump in with both feet.
With that, welcome and you’re in a fantastic position.
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) from BILs on if they are joining*
), my boss just did a $100k remodel on her home, but can't spend $100 more a year on dog food "that would be so much better for dog, but it's too expensive," or MIL not getting all vaccinations/letting the rabies vax lapse because it's hard/expensive to take the dogs in... and I'm thinking, you have wild animals that carry these diseases in your backyard at least once a week!!! BIL saying boarding the cat is soooo expensive, though it would easily fit in their budget, then complaining about the vet bill after? No sympathy.
, I also love to travel. Boarding (for 2) and dog sitting (for the other 2) are the expenses I factor into any trip (and yes, they are high). But I view my pets as furry toddlers who don't need diapers, don't throw temper tantrums (well the diva acts out occasionally!) and will never ask me to pay for college. Knock on wood, only one of mine has a chronic condition (a congenital heart defect) and the dog sitter knows if she becomes ill then I'll pay whatever vet bills are incurred. While I sort of feel for your BIL, I suspect he doesn't want to board the cat, not that there aren't perfectly competent vet boarding facilities available. In three months, I hope you aren't out $$ if he backs out.
sorry about that.... I wish I could delete prior posts sometimes..... I did some digging and looking at dates.....
If you think about it, I'm super excited over, what...$21.60 or so but it's the little things that add up so color me happy!
the professionals are as close as it gets). And yeah, I think people not being comfortable giving the shot is a very important thing in this kind of situation. Probably should have added this originally, but these family members... have had a diabetic cat in the past and successfully watched this cat several times over the years... and then magically couldn't for the wedding weekend and honeymoon. That was really weird 
and there are very strong impressions that she does not like the cat. I wouldn't be surprised if there is a bit of argument over spending money on the cat even to board him. Though you'd think at some point she would understand that if we spend $xxx to board him, we save $xxxx in vet bills 
When cat is not at the vet for life threatening crashes, he is happy to go, comfortable staying there several days in a row. So we've been told. Then he turns around and says they won't keep him (but you just told us they did while you did a long weekend with wife's family...). No one will watch him, no kennels or clinics or no pet sitters to come to the house, etc - I think this is more that he just won't do the legwork to look at the various options and see if they work out.
