You are correct. I just checked my FICO bankcard 8 score. It is exactly 749. I didn't realize when I posted
I have some more research to do.
I'm now set up for miles, but time will tell if either Delta or AA annual fes will be worth it to us. We plan to travel once a year at least. Actually taking first vacation paid from first Amex sub 50k tomorrow morning headed to Florida!.
Most likely outcome one card is downgraded to the 0 AF version.
Thinking maybe keep the AAdvantage card with AF. Downgrade negotiate, or cancel fiance's Delta with a 1k limit, then have her get the Blue version (once in a lifetime bonus)
That way I don't restart CITI-AAdvantage 1/24 sub clock.