Have some additional time on my arms, hoping y’all might help me formulate a plan of assault. I have been doing numerous analysis on maximizing my present spending to accrue rewards factors throughout Amex MR and Chase UR portals. Presently have 230,000 MR factors and 130,000 UR within the financial institution, trying so as to add to each (if I had to decide on, undoubtedly choose Amex for his or her unparalleled customer support and buy safety). Plan on redeeming all factors sooner or later for high-end worldwide flights to maximise factors worth.

I’ve kept away from including playing cards to my portfolio (till now) for the sake of simplicity, however I’m able to broaden as a way to maximize my spending. Why the Amex Platinum as my first card? I used to be focused for the 100okay SUB and I used to journey ceaselessly (pre-COVID). The AF greater than justifies itself as I make certain to make the most of all the perks. I’m open to further AF’s so long as the perks justify the charges.

Got here throughout this video by Jake Broe in regards to the “ChamEx Pentafecta:” https://www.youtube.com/watch?v=xLO-2XdoolY. I believe an identical set-up (barely adjusted for the playing cards I have already got) would take advantage of sense for my present spending. Additionally open to a trifecta/quadfecta if it makes extra sense. Given the knowledge beneath, which playing cards take advantage of sense for my present spending and in what order ought to I apply for them (given present SUB’s and 5/24)?

  • Present playing cards:

    • Amex Platinum, October 2015

    • Chase Ink Enterprise Most well-liked, $14,500 restrict, January 2019

    • Financial institution of America BankAmericard , $7,000 restrict, July 2019 (opened this for a 0% steadiness switch which I’ve since paid off. Will nonetheless use for small month-to-month cost so account stays open as that is technically the one credit score line on my credit score report)

  • FICO Rating: 810

  • Oldest account age: 11 years, 1 month

  • Chase 5/24 standing: 1/24

  • Revenue: $60,000

  • Common month-to-month spend and classes:

    • Eating $800

    • Groceries: $1,800

    • Fuel: $0

    • Journey: $150

    • Different: $1,200

  • Open to Enterprise Playing cards: Sure

  • What is the objective of your subsequent playing cards? To accrue as many rewards factors as potential (aka maximize present spending) throughout Amex MR and Chase UR currencies, with the intention of redeeming factors sooner or later for high-end journey redemption (eg enterprise/first-class long-haul flights).

  • Do you will have any playing cards you have been ?

    • Amex Gold – for 4x on groceries and eating. In all probability would not use $120 annual eating credit although so AF comes out to $150. Presently focused for 60Ok SUB, pondering of ready for potential 75Ok provide? Within the meantime might join CFF and full 5% on $12,000 grocery spend whereas I wait?

    • Amex Blue Enterprise Plus – for 2x on on a regular basis spending. Would not rely in opposition to Chase 5/24 and no AF is good. Unsure what present SUB is.

    • Chase Freedom Flex vs Chase Sapphire Most well-liked (CFF’s 20,000 SUB + 5% on $12,000 groceries in first yr + rotating 5% classes vs CSP’s 80,000 SUB + further spending at 1%). I believe the CFF makes extra sense? No AF is good.

  • Are you OK with class spending or would you like a normal spending card? Happy with each

In the event you’ve made it this far, thanks to your time! The concept of each greenback spent incomes not less than 2x factors is new to me, however it’s one I really like. Wanting ahead to your responses!

TLDR: Seeking to broaden my present card lineup considerably to maximise spending. Thinking about accruing factors throughout Amex MR and Chase UR portals as I’ve important stashes of each. Plan on redeeming factors sooner or later for high-end air journey for max factors worth. Which playing cards ought to I add and in what order?

PS. All credit score for the sensible “ChamEx Pentafecta” belongs to Jake Broe (https://www.youtube.com/watch?v=xLO-2XdoolY)!

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