Hi everyone, I'm new here and just starting to really get into the miles/points game. I'm trying to figure out the best strategy for using credit cards to earn points. Here's the current situation: - My partner has a Credit Union-related card that earns Scorecard rewards that she's had for 20+ yrs, - We have a joint CapitalOne VentureOne -- started out with a different CapitalOne card probably 10 yrs ago, upgraded to the VentureOne 2-3 yrs ago when we started to have the time/energy/money to travel. I'm the primary account holder - We have a joint Chase Hyatt card (she's the primary account holder) that's less than a year old. She spontaneously signed up when booking a Hyatt room for for a conference, and it's actually been great. Had two free nights in a lovely Hyatt in Montreal, and have a couple more free nights to use. - We also have a Chase Slate (I'm primary), and a few miscellaneous dept store cards that we never use. - Just signed up for the Chase Sapphire Preferred (with her as primary, me as authorized user). It hasn't arrived yet. - Mostly interested in airline miles (or points that can be used as such) -- we don't have any hotel chain loyalty, and actually tend to prefer non-chain hotels. And we've already got the Hyatt card (planning to keep it, though I'm going to call and try to get them to defer the annual fee). - United, US Airways & JetBlue are the primary airlines that fly from our little airport to the places we want to go. We both have "good" (750s-760s) credit according to Credit Karma, but it's been pointed out to me that that is not a really accurate source. We are thinking about buying a second home in the next couple of years, so maintaining decent credit is important. So my questions: - My inclination is to cancel all the unused cards. Is there any benefit to this? Any disadvantage? I have read that the % of total credit used is important to credit score -- so having lots of unused credit seems like a good thing? And yet, if I were a creditor, looking at someone with the option to suddenly go 10s of 1000s of $ into debt tomorrow (aw yeah, JC Penney spending spree!) would not be appealing to me. - Any thoughts on next card to apply for? Since CSP points can be used for United flights, I had been thinking about a non-United card -- but maybe it's good to focus on one program and really load up? And AA and USAirways miles are now interchangeable correct? So a Citi AA card might work for me even though I don't fly on AA often? As a rule, does it make sense to double up on all "good" cards -- i.e. should I go ahead and apply for a CSP even though my partner has one? I know that's a lot of questions! Forgive my newbie ways, and please feel free to point me to threads where all of this has been addressed. Any input/feedback most welcome! Thanks!