Wondering when to apply for my next card and which would be best.

After a long strung out divorce, I took on a lot of debt I finally paid it off and was able to get my credit score back up in the 800's in 2024. I had only two credit cards before that (maxed out from the divorce). I now have no debt at all. I applied and got approved for many cards in 2025, mostly due to this subreddit. It can be addicting. I pay all my cards down each month and never carry a balance. I was looking at the BOA Custom Cash 6% back on online purchases. I was also looking at the AA World Elite since I am flying American Airlines more and lounge access is very important to me since I live in a remote area and often have long layovers. Online is my primary way of spending. I would be surprised if I got approved for either of these but who knows. Figured I'd see what others have to say. If my strategy was to try for both, what would be the best way. I am currently 6/12 personal and 5/12 business. 7/24 personal and 5/24 business. Beginning August I will be 1/2 personal and 2/12 business.

I do have cash to deposit in BoA or another bank if that would help.

I mostly wondering strategy wise, the it is the safest to apply for another card. I know Chase is out, so I'm not looking there. Amex Prime Business is going away, so that will free up an Amex slot.

CREDIT PROFILE

• Current credit cards you are the primary account holder of:
  • Amex Bonvoy Brilliant $5000 6/2025
  • Amex Marriott Business $10,000 6/2025
  • Amex Prime Business $10,000 10/2025
  • Amex Platinum 7/2025
  • Amex Hilton Surpass $3000 3/2026
  • Amex Hilton Business $12000 3/2026
  • Chase United Club Business $17000 5/2025
  • Chase United Quest $5000 2/2025
  • Capital One Savor $15000 1/2024
  • Capital One REI $17000 6/2025
  • Capital One Quick Sliver $5000 8/2022
  • Citi Advantage Business World Elite Mastercard $3000 7/2025
  • Apple Card $5000 7/2025
  • Canyon View Credit Union Visa $9500 9/2014
  • Canyon View Credit Union Visa $32000 1/2006
• FICO scores with source: Experian 775, TransUnion 793, Equifax 798
• Oldest credit card account age: 20 years
• Cards approved in the past 6 months: 1 personal & 1 Business
• Cards approved in the past 12 months: 6 Personal & 5 business

• Cards approved in the past 24 months: 7 Personal & 5 Business

• Annual income $: 210000

CATEGORIES

• Ok with category-specific cards?: Yes
• Ok with rotating category cards?: Yes
• Estimate average monthly spend in the categories below.
  • Dining $: 700
  • Groceries $: 800
  • Gas $: 300
  • Travel $: Flights (United) 600, Hotels (Marriott & Hilton) 200, Uber 70,
  • Using abroad?: no
  • Other categories or stores: Amazon and other online retailers 1000
  • Other spend: Business spend in all categories is about $5000 monthly
  • Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

• Amazon Prime member: Yes
• Costco or Sam's Club member: Both
• Big bank customer: Wells Fargo Personal and Business
• Open to business cards: Yes

PURPOSE

• Purpose of next card: Cash back and business and diversity

• Cards being considered: BoA Customized Cash, Citi AA World Elite.

I'm pretty much open to anything at this point. Cash back or loyalty points.