@Anonymous wrote:
Ah. I didnt realize my AAoA wouldn't be affected. I guess thats what I will do. Close the 3 synchrony accounts and combine the 3k platinum to the quicksilver and make a 6,300$ limit.
As for recommended premium cards, anything else you recommend? I was looking at the Amex SPG, the Cap 1 Venture, and CSP.
All the three cards you mentioned have similar pricing ($95 annual fee, waived first year, no FTF).
If you don't have particular categories that you spend a lot (e.g. dining, travel, gas, etc.), then the SPG is a great choice since its points can make very good value (2.5 cent+) if used wisely. It's actually a good card to keep in the long term if SPG keeps their current reward points system after the merger with Marriott. Also they have had limited time 35k point offer, but currently the public offer is 25k.
Capital One Venture offers "miles", but that's not something you can transfer to airline partners, but pretty much statement credits for travel related spendings. Max value you can redeem is 1 cent/mile (for crediting travel purchases or buying gift cards), and half of that if you redeem for cash. Think of it as a plain 2% card with limited redeeming options, which Citi Double Cash can easily do better without an annual fee.
You are over 5/24 at the moment so CSP won't be an option unless you can get a preapproval through branch or your Chase online account -> Your Offers with a green checkmark and firm APR.
From the options you listed, I would go for both SPG and CSP, but due to the 5/24 issue SPG is the way to go. You may still want to wait for the 35k offer, which may be targeted and with additional spending requirement, but 25k is okay. If you at one point fall below 5/24 you can still consider CSP later. If you have the 50k offer for Amex Premier Rewards Gold, you can consider that too, it's annual fee will be $195 (waived for first year), but each calendar year there's $100 airline fee credit (not including tickets) for your selected airline (can only change once a year), still not a bad option though.
