The card I'm longing for today is...

[Adkins]

...the Chase Freedom. Between that and my Discover (eventually!) I'd like to have a lot of 5% cash back options (that hopefully won't overlap!). Sadly, that pesky 5/24 rule gets between me and my future card relationship. What card do you long for? Why? What's standing in the way? 

[Anonymous]

If you have a relationship with Chase already, go into a branch every month and ask a personal banker if you have any preapprovals.  In-branch preapprovals may overcome the 5/24 rule.

The cards I am patiently waiting on are:

• Amex BCP -- 6% on groceries up to $6000/year = $360 cash back.  I currently get a whopping 2% from Discover on groceries but that ends in February, so this would mean $240 cash back more a year for sure.
• Chase CSP/CSR -- prefer the CSR of course.  I do a ton of travel for pleasure, and a lot of travel expenses.  My travel agent even books my sailboat rentals and her agency categorizes as travel so I think I could earn more rewards with the CSP/CSR.  I have the Freedom Unlimited and it's kinda useless at 1.5% (matches Capital One QS/QS1) but I bank those Chase points to someday possibly redeem them with CSP/CSR at 1.875 or 2.25 -- if that ever happens, lol.
• US Bank -- just want to get in the door, thinking of leaving the garden now to get the prequalified Cash+ just to get in, but I'd like their travel card in case Chase doesn't want me with them.  Could have used the Cash+ last quarter as I spent almost $2000 on clothing at a store that would likely qualify for 5%.  Instead I got 2% with Discover, so that's $60 I left on the table.
• Alliant 3%/2.5% card -- I SSL with Alliant and hope some day they'll send me an offer for it.  This would cover my non-category spend better than Citi DC and one of Alliant's branches is walking distance from my home.

Right now I'm gardening, but my AAoA estimator tells me to apply for something between November and April 2018.  I'm over 5/24 so Chase is out without a prequalification. Amex prequalification says no across the board.  US Bank offers me 2 cards and I think I'd qualify. Alliant who knows.

Nothing else interests me yet -- maybe Barclays Uber card?  Not sure, haven't done the math.

[Adkins]

I don't have a relationship with Chase, unless that extends to being an authorized user. 

[K-in-Boston]

American Express Centurion Card.  I don't think I need to explain why I want it.  What's standing in the way is an invitation to accept the card and a way to justify paying the annual fee.  Also pretty sure the annual spend requirement is likely at least twice what I spend on all cards combined in a year, so there's that too.

In the real world, I'm not exactly longing for it, but I would grab the Marriott Rewards Premier card for the signup bonus (and try to figure out some place to redeem the annual Category 1-5 freebie; I have yet to find anything in one of my desinations that wasn't a 7, 8, or usually 9) if it weren't for the 5/24 problem.

[Anonymous]

Sign up for Chase Credit Journey -- it's free.  It gives you a useless free "Vantage Score" that you can ignore, but just being a member there MAY get you some prequalified offers.  

[minski]

Chase Sapphire Reserve. I am under 5/24 June 2019. I likely may pick up the Freedom Unlimited as a preapproval afterward just to have a general spend card that will earn UR points. 

[Adkins]

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@K-in-Boston wrote:

American Express Centurion Card.  I don't think I need to explain why I want it.  What's standing in the way is an invitation to accept the card and a way to justify paying the annual fee.  Also pretty sure the annual spend requirement is likely at least twice what I spend on all cards combined in a year, so there's that too.

In the real world, I'm not exactly longing for it, but I would grab the Marriott Rewards Premier card for the signup bonus (and try to figure out some place to redeem the annual Category 1-5 freebie; I have yet to find anything in one of my desinations that wasn't a 7, 8, or usually 9) if it weren't for the 5/24 problem.

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WHOA. Hey, nothing wrong with thinking big, imo! 

[Adkins]

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@Anonymous wrote:

Sign up for Chase Credit Journey -- it's free.  It gives you a useless free "Vantage Score" that you can ignore, but just being a member there MAY get you some prequalified offers.  

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I'm already signed up. Nothing yet. 

[Adkins]

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@minski wrote:

Chase Sapphire Reserve. I am under 5/24 June 2019. I likely may pick up the Freedom Unlimited as a preapproval afterward just to have a general spend card that will earn UR points. 

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That's a great plan!

[Anonymous]

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@Anonymous wrote:

Sign up for Chase Credit Journey -- it's free.  It gives you a useless free "Vantage Score" that you can ignore, but just being a member there MAY get you some prequalified offers.  

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Not trying to hijack the thread, but how likely is this? 

And after signing up, I see that they show me as 4/24, is that what Chase uses for their application data? (i had thought i was 5/25 and was abstaining from applying for another card)