I originally posted this in newbies and realized I should have posted here, where more seasoned FF are commenting and reviewing. I'm still learning. Bear with me.... Hi all - I completed my first round of cards. We now have the following: For me Citi Advantage Visa - 50K points after 3K in 4 months Chase Business Ink - 50K points after 5K in 3 months Southwest RR Visa Personal - 50K points after 2K in 3 months (under review) Southwest RR Visa Business - 50K points after 2K in 3 months (under review) For the hubby Citi Advantage Visa - 50K points after 3K in 4 months Marriott Rewards Visa - 70K points after 1K in 3 months Barclays US Airways - 40K points after (not sure) need to check this Our home airport is Chicago and we're working towards the following: 3 people (2 adults and one 5 year old) first class round trip to.... South America - Galapagos (LAN) or Hong Kong - Bangkok or Singapore, Chiang Mia, Kosamui, etc... or China Southwest companion pass and points for domestic trips over the course of the next two years (1 per month) Our credit scores are 780 and 802 prior to the AoR above. My questions are the following: 1. Are there any other cards we should sign up for now? 2. Do you have any suggestions on hotel cards for the high end hotels that will get us a few nights in the more expensive international destinations? 3. How do you keep your spending straight on all the cards? We spend about $10K/month each on regular spending so we won't have any problem meeting the minimums but once we reach it should I stop my reoccurring bills being posted to any of the cards? 4. I've read that I should wait 91 days for my first Churn. Does this mean I stop spending on any of these cards and just apply for all new cards and meet those minimums? Thanks for your input and direction. Blue.