@leo187um wrote:Thank you guys for the feedback/ advice.
so if my long term goal is to get high likiy business credit cards, what should my next credit card be? In Dec 2023 I will be 3/24 in terms of the Chase 5/24 rule... should I get like a Sapphire Reserve and then the Business INk? Or should I get the Amex platinum and then an Amex business gold or platinum card?
I registered my LLC in July 2022 just fyi...
If your ultimate goal is to get high limit business credit cards with no foreign transaction fees, I think the shortest path to that would be an Amex platinum card, either the business version or the personal version, depending on whether your travel to Japan is personal or business, and depending on whether or not you want to avoid its counting towards Chase 5/24. IMHO the underwriting standards for the platinum are surprisingly low, probably because they like that juicy annual fee. The travel perks with that card are unparalleled.
The Chase Ink Preferred is a great card in my book but Chase is a tough nut to crack. As you have been told by others, but find hard to believe, it is true that deposits into a Chase deposit account will not help you there.
@leo187um wrote:Ok I heard it's better to apply for Amex personal before getting the business... Hurd after a certain time then apply to chase...
I don't know. I had a business version, never had a personal version. Bear in mind that if you're approved, the personal version would count towards Chase 5/24, while the business version wouldn't.
For me the primary consideration would be a bookkeeping one: whether the big expenditures on the platinum card would be chargeable to the business or not. If your big travel expenditures would be directly for your company, I would definitely go with the business version.
@leo187um wrote:Thank you guys for the feedback/ advice.
so if my long term goal is to get high likiy business credit cards, what should my next credit card be? In Dec 2023 I will be 3/24 in terms of the Chase 5/24 rule... should I get like a Sapphire Reserve and then the Business INk? Or should I get the Amex platinum and then an Amex business gold or platinum card?
I registered my LLC in July 2022 just fyi...
So again, this is still talking down the line, after you gardened for 9-12 or more months...
With Chase, get the Ink FIRST, then the CSR (great cards, I have both).
I'd space out at least 3 months between Amex charge cards regardless of what they are, to allow you to focus on knocking out the SUBs etc. Do you really need both personal Platinum and buisness Platinum? They do differ slightly, but not enough for most people unless someone else is picking up the AF for you.
In regards to Chase vs Amex app order... there is a bit of a blind spot. Chase is counting PERSONAL accounts you opened, which is different than your inquiry total. So business cards that do not report to your personal credit will be invisible to them. In addition, cards that have NOT YET shown up on your credit will be invisible to them. And if Amex is not hard-pulling, because you already have a card with them, it's even more invisible. HOWEVER is is ENTIRELY possible for Chase to yank back the card they issued you if your report has a bunch of credit-seeking behavior show up in the months following them approving you.
So if you decide to poke the bear, be aware it can bite your hand off.
Luckily, I kept my hand... I opened both AmEx BBP and Chase Ink on the same day, and one month later Amex BCP and CSR and Elan MCPx2 the same day... it worked for me, but I realized I was lucky.
Biz - 
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