@dfwxjer wrote:
Are you active military to get the AF waived on the Amex cards? If you're paying the annual fee on the Gold and Platinum, and can't hit the minimum spend for a SUB, then you're essentially pre-paying for those credits and not actually gaining anything.
Yes, I'm active duty and get waived AFs on my Chase and AMEX cards. The Venture X is the only card I have without a waived AF
Current Cards:
Capital One: VentureOne $3,000CL; VentureX $10,000CL
Chase: Freedom Flex $1,000CL; Sapphire Reserved $15,000CL
AMEX: Gold $NPSL; Platinum $NPSL; MB Brilliant $4,400; Hilton Aspire $3,700
Fidelity: Visa Signature $5,800CL
NFCU: CashRewards $1,500CL; MoreRewards $5,500CL
USAA: Rewards Visa Signature $8,000CL
TCL: $57,900
Former Cards:
Capital One QuicksilverOne, PC to V1; Chase Sapphire Preferred, PC to CSR; Local Credit Union Card, Closed, 500CL
Desired Cards (In Order):
Amex Blue Business Plus; Future CashRewards PC into Flagship Rewards; Cap One Savor or PC into it from VentureOne
FICO (01/2026) 570s/580s
FICO (08/2026): 692EQ, 700TU, 702EX
