I am planning a churn about 90 days since my last card and wanted to know which cards you would apply for. Here is what I have or had. I can no longer bank with Bank of America so those cards are off the list. I also included a text document as I couldn't format it well. Card Bank Name Network join date Cancel date Wells fargo platnum Wells Fargo Visa 3/1/2011 active United MileagePlus Explorer Chase Visa 4/1/2012 7/20/2012 British Airways Visa Chase Visa 5/12/2012 active American Express Business AMEX AMEX 6/20/2012 active US Airways Dividend miles Barclay MasterCard 7/5/2012 active AAdvantage Citi Visa 7/15/2012 active AAdvantage Citi AMEX 7/15/2012 active Ink Bold Chase MasterCard 7/25/2012 active Sapphire Preferred Chase Visa 7/25/2012 active Virgin Atlantic Bank of America AMEX 7/26/2012 10/25/2012 Starwood Personal AMEX AMEX 8/11/2012 active Starwood Business AMEX AMEX Denied on 8/21 Denied on 8/21 Alaska Airlines Bank of America Visa 8/20/2012 10/25/2012 Flex Perks US Bank Visa Denied on 8/15 Denied on 8/15 Starwood Personal CAD AMEX AMEX 11/10/2012 active I spend lots of time in Canada so cards with no forgien transaction fees are great for me. I was thinking of something like this: Hilton Citi AAdvantage business AMEX gold personal, AMEX hilton (Where you get 60k bonus points and gold status) or AMEX Hilton (no annual fee, expires the 30th of November) Ink Bold Plus Business Chase 2nd US Airways Dividend miles Is there anything I may be overlooking? Should I not apply for an AMEX card as the gold is currently only 25k and instead go for one of the hilton ones? I value first class international travel the most, but am happy with free hotels or cash value system as well for free flights.