Need help optimizing our messy ecosystem! Currently Chase/Cap1/Amex

CREDIT PROFILE

Player 1 (Me)

* Current credit cards you are the primary account holder of:

* Chase Sapphire Preferred, $15,000 limit, 01/2019

* Apple Card, $2,900 limit, 03/2022

* Capital One Venture X, $20,000 limit, 04/2024

* Delta SkyMiles Reserve Amex, $14,900 limit, 04/2024

* (Note: Authorized User on Player 2's Chase Sapphire Preferred, $20,600 limit, opened 08/2022)

* FICO Scores with source: TransUnion 773 (via CreditWise)

* Oldest credit card account age with you as primary name on the account: 7 years, 2 months

* Number of personal credit cards approved for in the past 6 months: 0

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

* Number of personal credit cards approved for in the past 24 months: 2

* Annual income $: $110,000 W2 ($190,000 combined household)

Player 2 (Husband)

* Current credit cards you are the primary account holder of:

* Liberty First CU, $5,000 limit, 03/2006

* Citibank Card, $8,500 limit, 10/2007

* Chase Amazon Prime Visa, $11,200 limit, 01/2018

* Kohl's Card, $800 limit, 07/2022

* Chase Sapphire Preferred, $20,600 limit, 08/2022

* Wells Fargo (HVAC), $12,600 limit, 02/2025

* FICO Scores with source: Experian 815 (Note: VantageScore 3.0 via Chase Credit Journey)

* Oldest credit card account age with you as primary name on the account: 20 years, 1 month

* Number of personal credit cards approved for in the past 6 months: 0

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

* Number of personal credit cards approved for in the past 24 months: 1

* Annual income $: $80,000 W2 ($190,000 combined household)

CATEGORIES

* OK with category-specific cards?: Yes

* OK with rotating category cards?: Open to it, but would need to understand if the return is meaningful enough to justify the tracking.

* Dining $: $1,258/mo (Higher in travel months, lower in non-travel months)

* Groceries $: $370/mo (Plus $180 at Target and $400 at Costco)

* Gas $: $226/mo

* Travel $: $2,159 total monthly average

* Flights: $801/mo (Primarily Delta)

* Lodging: $969/mo (Mix of traditional Hotels and Airbnb)

* Rideshare/Car Rental: $389/mo (Uber/Lyft, plus frequent Turo use—aware of CC insurance exclusions)

* Any other significant, regular credit card spend $:

* Amazon: $1,100/mo

* Internet/Phone: $265/mo

* Insurance: $192/mo

* Utilities (Electric/Water/Trash): $200/mo

* Can you pay rent by credit card?: $0 (Mortgage, cannot pay by card)

MEMBERSHIPS & SUBSCRIPTIONS

* Current member of Amazon Prime?: Yes

* Current Verizon postpaid customer?: Yes

* Current member of Costco or Sam's Club?: Costco

* Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other monthly streaming services?: Yes (Hulu, Max, Netflix, Peacock, YouTube Premium)

* Are you open to Business Cards?: Yes (Open to setting up a sole proprietorship)

PURPOSE

* What's the purpose of your next card?: Travel rewards. We are looking for a good two-player structure to maximize our return across our high-spend categories. I like my Delta Reserve card quite a bit—I use roughly the exact amount of lounge and guest passes, and my husband and I travel enough to use the companion pass every year. We will continue to at least want shared cards but also separate accounts for personal spending.

* Do you have any cards you've been looking at?: No specific cards in mind, just looking for the best ecosystem structure!