I've gone a couple months without having to make a spend. It's an uneasy feeling. I'm planning Churn #4, but was hoping for some advice based on my current portfolio. I'm wide open to opinions. The score is above 760 at the moment. Here's my inventory as of today: Churn #1 - December 2011 AA Visa Signature (I didnt know about the 2 browser trick) - Just CLOSED this card / fee due SW Visa Premier - keeping open, I like SW. Churn #2 - March 2012 Chase Sapphire Preferred Chase Ink Bold Citibank Hilton Honors Amex Hilton (no fee) Barclay US Air Churn #3 - June 2012 Chase Brit Air (online booking version no spend version, 50k now, 50k for anniversary) BA Virgin Atlantic AMEX SPG It's been SPG, Ink, Sapphire for the regular use since. US Air for some bonus goals they offered. As of today I'm I'm looking for a smaller 3 card churn, but really want some advice. Chase hasn't asked for any credit line adjustments across all cards. But maybe 3 personals and 1 biz is a lot there. Ink Plus for 50k sounds nice though. Maybe SW Business version? I have no AMEX MRs - time to start? That 50k/$5k Gold biz goes away later today. Anyone see any obvious holes here? My largest usage thus far has been domestic travel for family vacations with us renting vacation homes, no hotel points there. Hotel points are for little weekend trips to DC, NOLA, etc. UR points for the big trip to South America in 2014 - banking those puppies, but maybe that's not smart either if they devalue or lose a partner. MUCH appreciative of any advice to be given. I'm due one, but want to take a pause first and gather any advice to be given. Thanks!