CREDIT PROFILE

Current credit cards you are the primary account holder of:

• Chase Sapphire Reserve – $20,400 (planning on lowering limit and downgrading to CFF/CFU)

• Apple Card – $13,200

• Amex Blue Cash Preferred – $25,000 (may request this be lowered to fit a new card in if it's an Amex)

• Amex Business Gold – NPSL

• Amex Blue Business Cash – $36,000 (going to seriously reduce/close this limit after the 1y mark – got replaced by the BusGold after a good SUB popped up and since >90% of my spending falls into a 4x category on the BG there's no point in keeping the BBC)

FICO Scores with source: TU 822, EQ 822, FICO 9 783 (Wells Fargo)

Oldest credit card account age with you as primary name on the account: 2y6m, but average account age on report is 6y11m thanks to student loans as old as 14y.

Number of personal credit cards approved for in the past 6 months: 3

Number of personal credit cards approved for in the past 12 months: 0 additional

Number of personal credit cards approved for in the past 24 months: 0 additional

Annual income: $135,000

CATEGORIES

OK with category-specific cards?: Already have cards for tech spending (BusGold) and groceries/gas (BCP), looking for a primary travel and general shopping card

OK with rotating category cards?: Potentially

Estimate average monthly spend in the categories below. Only include what you can pay by credit card.

• Dining $: ~$300

• Groceries $: Won't be on this card, I do that on the BCP

• Gas $: Won't be on this card, I do that on the BCP

• Travel $: ~$500 (40% hotels, 40% flights, 20% parking/transit (MTA))

• Shopping: ~$1250 (probably 25% of which is Amazon)

• Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No

• Any other categories: No

• Any other significant, regular credit card spend you didn't include above?:** No**

• Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: No

MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)

Current member of Amazon Prime?: Yes

Current member of Costco or Sam's Club? Yes, Costco

Current member of Chase, US Bank or any other big bank?: Chase (PC checking) and Wells Fargo

PURPOSE

What's the purpose of your next card (choose ONE)?: Travel rewards/status/lounge, and primary "catchall" card for purchases that don't fit well on another card.

UPCOMING SPENDING / SUB NOTES

Planning a trip to Disney World this year for four people and if this new card can be a "better" card for rewards for that specific trip (~$2500 on flights, ~$5500 on park expenses like tickets and on-site hotels, and ~$2500 in food total) that would be great. We can hit any SUB below $7500 easily with just those expenses as soon as we book the trip.

Wife is currently looking hard at the Disney Premier Visa through Chase but I've heard that card isn't actually optimal for Disney trips unless you NEED the financing. If the math works out that even accounting for annual fees we would get more out of this card than the financing+3% rewards for the trip+$400 statement credit on the DPV would be worth, it would be nice since this would be my primary card going forward instead of turning into a sock drawer card as soon as we get home like the Disney Visa would be.

Major airports nearby (for lounge/airline usage): Hartford, JFK/LGA/EWR, BOS in a pinch.

Preferred airline is Delta because we do have an Amex Delta card, so airline points/status/rewards won't really be relevant to this card.

Do you have any cards you've been looking at? Amex Platinum, CSE, not familiar with a ton of others.