Thank you so much for that thoughtful reply! I have decided to continue the UR game and wait until 1/2019 to apply for the CIP for the 80k bonus. I think I should apply for that same card now for my husband, since he is at 4/24, correct? I think he'll let me do it. He is in IT and has done a lot of consulting in the past so I think we could do it without stretching things too much. I like your UR / Delta first class example and also we do go to WDW a lot and I could also use the URs for Disney hotels, correct? We use my husband's CSR for nearly everything, along with the SPG Amex. If he gets the CIP we'll use that plus the CSR for everything moving forward.
Sound good? Should I apply now for husband's CIP?
I’ve crossed off the cards/upgrades on your lists that don’t count against 5/24.
Barclay Jetblue Dec-17
Chase Sapphire Preferred Jan-18
Chase Sapphire Reserve Jan-18
S̶P̶G̶ ̶A̶m̶e̶x̶ ̶B̶u̶s̶i̶n̶e̶s̶s̶ ̶M̶a̶r̶ ̶1̶8̶
̶
Chase Marriott Premier May 18
Based on the list above, your DH is 4/24.
C̶h̶a̶s̶e̶ ̶S̶a̶p̶p̶h̶i̶r̶e̶ ̶P̶r̶e̶f̶e̶r̶r̶e̶d̶ ̶J̶u̶l̶-̶1̶6̶
̶
Bank of America MC Dec-16
Barclay Jetblue Nov-17
Chase United MPE Nov-17
S̶P̶G̶ ̶A̶m̶e̶x̶ ̶B̶u̶s̶i̶n̶e̶s̶s̶ ̶N̶o̶v̶-̶1̶7̶
̶
Chase Marriott Dec-17
Chase Unlimited Dec-17
C̶h̶a̶s̶e̶ ̶M̶a̶r̶r̶i̶o̶t̶t̶ ̶P̶r̶e̶m̶i̶e̶r̶ ̶P̶l̶u̶s̶ ̶(̶U̶p̶g̶r̶a̶d̶e̶)̶ ̶M̶a̶y̶ ̶1̶8̶
H̶i̶l̶t̶o̶n̶ ̶A̶m̶e̶x̶ ̶B̶u̶s̶i̶n̶e̶s̶s̶ ̶M̶a̶y̶-̶1̶8̶
̶
Based on your list, you are 5/24.
Your BofA MasterCard turns 24 months in December, and you can safely assume it’ll “drop off” your 5/24 count by January 2019, brining you down to 4/24. As you can see, your next oldest cards don’t age past 24 months until December 2019. So if you want to get under 5/24 and be eligible for Chase UR cards again, it’s VERY IMPORTANT not to add any new cards that will show up on your credit reports between now and January 2019, or else you’ll push out getting under 5/24 to at earliest December 2019. That means generally avoiding personal cards and sticking to only business cards for now. Before you apply for a business card (or any card), run it by us first, because as you know every card and each issuer has their own rules and we want to make sure you qualify for that card and it won’t affect your long-term plans.
For you:
1. You should call Chase at the number on the back of your CSP and ask to “product change” your CSP to a no-fee Chase Freedom. Your husband already has a CSP, and there’s no point in your household having 2 CSPs and for you to pay a $95 annual fee. It looks like you opened your card in July two years ago. If your annual fee posted recently, and you product change to the Chase Freedom, you may be able to get that $95 annual fee credited or refunded. Once you receive your Freedom card, go into your Chase account and “Activate” the bonus categories for Q3 on your card.
The Chase Freedom earns 5x UR quarterly bonus categories that change every 3 months. We’re in Q3 through the end of September, when you can earn 5x UR up to $1,500 in purchases (7,500 UR points if you max out the categories) at gas stations, using Lyft, and at Walgreens. The Walgreens category is interesting because they sell a lot of gift cards, so you can use your Freedom to buy gift cards to dozens of retailers and restaurants, and essentially pass on that 5x UR earned to wherever you end up spending those gift cards. For this and next month, your Freedom card earns 5x UR on gas.
UR points aren’t worth much when they’re on a Freedom. You can cash them out at 1 cent per point. But you can’t redeem them for travel or transfer them to Chase’s travel partners. That’s another reason why you should make it a habit to transfer the UR points on your Freedom to DH’s CSR when they post every month. You can transfer UR points between your own cards and among cards in your household. And transferring UR points to DH’s CSR is where they are most useful and valuable.
2. You should consider applying for the Marriott Biz before 8/26/18. Effective 8/26/18, Marriott is putting new restrictions on Chase and Amex cards. See
New Restrictions Coming for Marriott and Starwood Credit Card Bonus Approval. As of 8/26/18, you won’t be eligible for the Marriott Biz because you received a welcome bonus on the SPG Biz within the last 24 months. You also won’t be eligible for the SPG Personal card because you currently hold the Marriott Premier Plus credit card. Between which you should go for before 8/26/18, the Marriott Biz seems to be the better option for your long-term plans because (1) the Marriott Biz is not subject to the 5/24 rule – meaning you can get this card even if you are at or above 5/24, and (2) as a business card, it won’t add to your 5/24 count with Chase. If you went for the SPG Personal, it will add another card to your */24 count, taking you to 6/24, and you won’t get under 5/24 again until December 2019.
Note the restriction is already on the Marriott Biz application page:
This bonus is available to you as long as you have not received a new cardmember bonus for this product in the last 24 months. Please note effective 08/26/2018: You may not be eligible for the bonus if you hold, or have previously held, a Marriott International co-branded card issued by a United States credit card issuer.
Eligibility for the new cardmember bonus: The bonus is not available to you if you:
(1) are a current cardmember of this business credit card;
(2) were a previous cardmember of this business credit card who received a new cardmember bonus for this business credit card within the last 24 months;
Effective 08/26/2018:
The bonus is also not available to you if you:
(3) are a current cardmember, or were a previous cardmember within the last 30 days, of the Starwood Preferred Guest® credit card;
(4) are a current or previous cardmember of either the Starwood Preferred Guest® Business or the Starwood Preferred Guest® Luxury credit card, and received a new cardmember bonus or upgrade bonus in the last 24 months; or
(5) applied and were approved for the Starwood Preferred Guest credit card, Starwood Preferred Guest Business credit card, or Starwood Preferred Guest Luxury credit card within the last 90 days.
There’s some debate whether this means you won’t get the bonus even if you apply for the Marriott Biz before 8/26/18, if you don’t meet the MSR and trigger the bonus until after 8/26/18 – in other words, whether these new restrictions would apply to whether you get the bonus after 8/26/18. The safest thing to do would probably be to apply for and meet the $3k MSR on the Marriott Biz before 8/26/18. If you don’t want to take this risk of not getting the bonus, then maybe the Marriott Biz is not for you. And that’s totally fine, because there are plenty of other business cards out there.
I’ll follow up with more for your DH. Let me know what you’d like to do about the Marriott Biz before pulling any triggers.
Just be aware and informed. My DH is a hugely reluctant P2 (as in approved ONE card-CSR- in Jan of 2017). I ran the numbers by him and he was like, no way, 1.4 million is a good goal ( 
easy for him to say since I'm doing all the work, right?). Okay, so we continue to work on MRs at my house (primarily).
