So I have 4 credit cards — Discover ($1,000, June 2025), Freedom Rise ($500, July 2025), Freedom Unlimited ($1,300, Jan 2026), and Capital One Savor ($3,000, March 2026). Total credit is $5,800. Just got a CLI on Discover from $500 to $1,000.
My objectives:
∙ Get CLIs on all cards over time
∙ Product change Freedom Rise to OG Freedom at 12 months, then apply for Freedom Flex separately for the SUB
∙ Build a no annual fee setup with Discover, OG Freedom, Freedom Unlimited, and Savor
∙ Once the no AF setup is complete, aim for Freedom Flex SUB then move on to Venture X and Sapphire Preferred
∙ No new cards in 2026
Any advice on maximizing my CLIs, the product change strategy, and my long term plan? Am I missing anything?
Need your suggestions and inputs
byu/DUKKAKADUKUKKA inCreditCards
Posted by DUKKAKADUKUKKA
2 Comments
I’m not exactly sure why you want both Venture X and Saph Pref. They are both travel cards and it’ll be hard to rack up points in both exosystems.
Personally post Chase Hyatt nerf I feel if you want to go Travel route, I would just stay in the C1 ecosystem.
2x on all purchases (VentX) paired with Savor is good enough for most purchases. Pair it with some 0 AF higher multiplier cards with either 5% cb on specific categories or rotating categories is pretty solid.
Yeah I think your strategy is solid. This might sound rather obvious but CLIs will naturally occur as you update your income info and are in good standing.
Your PC plans from Rise to OG Freedom looks to be valid: https://wallethub.com/answers/cc/upgrade-chase-freedom-rise-to-freedom-unlimited-2140868861/#:~:text=Yes%2C%20you%20can%20upgrade%20your,free%2C%20right%20here%20on%20WalletHub.
I know you mentioned you don’t have plans for new cards in 2026, but just be wary that if you aim for the Freedom Flex SUB, you’ll be locked into 5/24 until June 2027. That might affect your plans for the Sapphire.