Thanks again!
I checked my report and do not see my INK on there. Does the business card not count toward a personal 5/24? If it does count I have one more slot and then have two that fall off in May.
Here is a little more info on what I am trying to map out for a plan to attack this:
I would like to figure out a way to have a hotel for 2-3 days in Waikiki, and a hotel in Vancouver for one night. We are open to different brands/tiers of hotels. I want to be on the beach in Honolulu though. I think I have enough Ultimate Rewards points already for the Flight home from the cruise from Vancouver to Indy (I have over 140K).
I am guessing I need to get a new SW card between now and then for my husband and I to each to have enough points for one of us to purchase flights from Indy to San Fran and the other from San Fran to Honolulu (we have never done a flight that long and would like to split it up.) If we have enough Hotel points left over covering the San Fran evening would be a bonus.
DH just applied for the Savor Card so that will be $500 to set aside for excursions/extras. I would ideally like to do one of those in my name to get another $500 toward the trip if it can work out. Any other cash reward cards I can work in are great to get extra money toward the ‘extras’ for the trip so we can splurge!
One bummer-we both have Sapphires I am going to cancel so I don’t think those are an option for us. I have two SWA ones in my name and am going to cancel one of them this week to start the clock to get another. I think DH could get one immediately if my INK is not against him and that would be his #5.
If there is another way to get Ultimate Rewards I would prefer this over another Southwest Card to get the Southwest points since they are more flexible.
For planning purposes we generally could get $3K on to the card easily, probably some months are $4K-$5K depending on the month with general expenses. With the holidays coming spending will be higher and we also have a trip in March that will have some purchases we could use for points. We always pay balance in full before due date so interest is not an issue.
A few thoughts on the fly:
1. Do you have a list of cards opened by you and DH in the past two years, including the month and year?
2. Chase Ink cards are subject to the 5/24 rule, in that you have to be under 5/24 to be approved for the Ink cards; but business cards generally, with a few exceptions, don’t report to your personal credit reports and therefore in Chase’s eyes don’t count against their 5/24 rule.
Which Ink card do you/DH have? Chase currently offers 3 Ink cards: the Preferred (“CIP”), Cash (“CIC”), and Unlimited (“CIU”). The cards offer different benefits that might make one better suited than the others for ongoing spend; but from a signup bonus only perspective, the CIP offers the biggest 80k UR signup bonus, with the ability to refer others for 20k UR per approved card, and the CIC and CIU each offer a 50k UR signup bonus.
3. Waikiki hotels
on the beach — offhand, I can really only think of the Hilton Hawaiian Village; the Halekulani; the Sheraton Waikiki, which shares a beachfront with the Royal Hawaiian; the Moana Surfrider; and the Outrigger hotels.
4. How do you feel about big annual fees? And what if the fees are offset by credits and other benefits?
5. Are you a member of the DISchurners subreddit? If not, please do consider joining, because we try to keep tips and links to credit card offers on there that you can use to help earn and redeem credit card rewards and support other members with your clicks (and of course, feel free to post your own links too).