How long to garden before next application? Which Card?

[babygirl1256]

@Anonymous Awesome . . . look forward to your update . . . Wishing you success in obtaining your CLI.

[Anonymous]

Thank you!! Getting my fix vicariously till the fall 

[coldfusion]

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@Anonymous wrote:

Haha, it seems a lot of us struggle with patience on here!

I'm looking to complete my Chase Trifecta first but Amex has been sending me lots of offers that make my head turn! I've been getting Gold75k/ Plat 100k offers very regularly as well and seeing as to how most of my regular spend is Dining/Groceries I am wondering if I am investing in the best ecosystem. The 5/24 rule pushed me to go with Chase first along with additional CL to strengthen my profile vs charge cards.

Planning on more international travel for pleasure but work travel is domestic. Still a little torn between Chase/Amex.

EDIT: Spelling

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You'd clearly be better off with Chase here IMO because of the wider acceptance internationally of Visa/MC payment networks vs AMEX outside of businesses that cater to or have a significant part of their revenues from international business travelers. 

Simple real example - AMEX was not a problem at the Grand Hyatt or Morton's in Taipei but if I wanted to go to Zhongli and eat hot pot while trying to work on my pathetic Mandarin skills I needed my United card. 

[babygirl1256]

@coldfusion Interesting . . . that's something to think about as I too am torn between Chase -and- AmEx. I hadn't thought about Chase being wider accepted -but- my travels won't be internationally and will be all domestic.

[coldfusion]

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@babygirl1256 wrote:

@coldfusion Interesting . . . that's something to think about as I too am torn between Chase -and- AmEx. I hadn't thought about Chase being wider accepted -but- my travels won't be internationally and will be all domestic.

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If domestic, different discussion.    I can think of a grand total of 1 example in the last 5 years in the US where I've been told that they don't accept AMEX (in Standish ME).

It isn't a function of the issuer, it's a function of the payment network.   My United card didn't work because it was issued by Chase, it was because it used the Visa payment network. 

[Anonymous]

@coldfusion  Thank you for the feedback! 

Acceptance is my main concern when being overseas. I get the impression that Amex MR is better for point redemption on international travel which is what made me second guess my decision. All of my other spending (Not Dining/Grocery) would not accumulate points as well with Amex unless I get EDP so still leaning towards Chase. I don't feel my spend warrants investing heavily into two ecosystems.