I stumbled into this rabbit hole a few months ago when looking for a CC with free baggage benefits. Lucked out and got the UA Club Card with first year fees waived, which will work great for a couple of upcoming trips, but the more I read the more I realized what I was missing. I figured I’d wait 90 days from the previous application, which will be coming up at the end of the month, and I’m starting to plan a round of apps. I’ve read the cautions; we have good credit, no outstanding loans, no plans for big purchases in the next 24 months, always pay off the CC in full every month. I’ll pull credit reports just prior to submissions. Our home airport is JAX. We are at a point in life where we have both a little time and a little money, so we’d like to travel more. The next couple of years’ plans include Europe and Argentina, then who knows (probably more Europe, and South Pacific, but we’ll see) – so churning for points is going to become an earnest hobby. DW and I each have a couple of CCs of various flavors from Amex, Chase (Freedom), and Citi (please don’t laugh – does anyone remember the AT&T Universal Card?). So here’s the initial plan: Chase Sapphire Preferred - 40K / $3k spend, 3 mo Chase Marriott – 70K / first use Citi AA Business - 50K / $3K spend, 4mo Citi AA Amex - 50K / $3k spend, 4 mo Citi HHonors Signature - 40K / $1K spend, 4 mo AMEX Starwood Preferred Gold - 25K / $5k spend, 6mo AMEX Delta Gold Business - 30K / $.5K spend, 3mo Barclays USAir - 40K / first use Totals: 345K miles/points; $3.5K/3mo + $7K/4mo + $6K/6mo = $16.5K spend One question is how to integrate DW’s apps – apply on the same day or split up the applications? We’ve been co-applicants on mortgages (now paid off) but the bulk of the credit has been in my name. This is probably long enough for a first post – thanks for all the great posts I’ve been reading these last couple of months!