BLUF: In 2026 I've signed up for and met the SUBs for the following, in the interest of travel rewards/cash back with a heavier focus on cash back:
- Capital One Venture ($750 + $250 in rewards)
- Citi Strata Elite ($600)
- Citi Custom Cash (x2 – me and wife) ($400)
We are also leveraging the Amazon Prime 5% back for Amazon purchases (had this one for years) and using the Paypal debit for 5% back on Costco until August (I think) so we are doing really well in terms of maximizing cash back.
I could continue down this path with some summer spend upcoming 2-3k, but I'm starting to question whether I should consider this a success or keep going to try to squeeze even more.
Looking for some thoughts/suggestions on where to go from here.
Trying To Decide If I Should Stop While I'm Ahead
byu/bigverm23 inCreditCards
Posted by bigverm23
2 Comments
that’s literally a massive flex already lol. id say just chill and take the win for now, no need to overdo it
I would just watch your velocity in applying. I screwed myself with that and I am at 7/24. But since November i got the amex gold sub, amex BBP sub, CSP sub, and Bilt palladium sub. I am currently work on the Navy federal flagship sub but i need a year break after this. Not from lack of spend but to get below 5/24. I want the venture x but cant get because of how many cards i have recently opened. My credit score is 806 according to cap 1