I have a
chase freedom unlimited 3/2017
freedom flex 1/2023
Sapphire preferred 12/2023 60k SUB
Business Ink Cash 10/2025 90k SUB
Have a p2 but she only has the first two cards, and a capital one savor.
We won’t be traveling any time soon, she’s due in June, most likely won’t be traveling until end of year or next year.
I’ve only had Chase cards never explored other banks, we travel maybe once a year, but I got value from transferring to Air France for a flight and to Hyatt for a hotel.
Was wondering
if I should open new cards to get SUB or refer her for referral bonus and work on her SUB.
Thank you for any recommendations and advice! Open to individual and business cards
Next Cc strategy for me and my partner
byu/williyums inCreditCards
Posted by williyums
1 Comment
With baby coming in June you’ll probably want to focus more on cash back than travel points for next year or so. The referral route with your partner could work well – you get bonus and she builds her credit profile more.
Since you’ve been all Chase maybe look at expanding to other ecosystems when you’re ready. Business cards are good option since they don’t hit personal credit as hard. Just keep in mind with new baby expenses you’ll want to make sure you can hit spending requirements without overstretching the budget.
congrats on the little one coming btw!