I would get the Biz for 60k and then a personal using a referral for 50k now. You would apply for the Biz first since you need to be 0/30 (no apps in the last 30 days) once approved apply for the personal. That puts you at 110k automatically. If you quickly meet the spends, you will then have CP for the remainder of this year and all of 2019.
Chase considers selling things either locally or online, babysitting, etc all as a small 'business'. I got my first business card based on my selling online.
As others pointed out, there are personal referrals for 50k for the SW premier and plus. Many of us have them and if you hop on the "i love credit cards" thread, just ask to join the site (super easy!!) where those referrals are listed. We are not allowed to post them here on the DIS.
If you applied for the SW business (60k) and one of the SW personal cards (50k), you'd get your CP much earlier and have it for all of this year and 2019. If you are concerned about the SW business card, you can apply for both personal cards one right after another (using different browsers) and that would bet you 104k from the bonuses and spend. You'd need 6k more to earn the CP.
Hope that helps
All of the 110k RR points need to be earned in the same calendar year. You can certainly apply for one personal now and one later in the year. But you'll want to make sure the bonuses post in 2018 or wait on the cards (both of them) and get the bonuses in 2019. Once you apply and are approved for the card, you have 3 months to meet the required spend (it ends up being a little longer than 90 days). Early summer 2017 and early fall 2017, they offered 60k bonus on the Plus and Premier personal cards which made it easy for people to earn CP so you never know if they might have that offer again. I am just waiting for SW to post my bonuses and we'll have CP again. (Our current CP expired on 12/31/17.)
That's what we did. My husband's CP just expired so it was my turn to apply for the SW cards for CP. And then he will do the same thing in late 2019 when mine expires. We typically fly SW so it work well for us to only have to purchase 2 tickets (with points) and then DS flies free. It's the one set of CCs that DH willingly lets me apply for.
Did he cancel his cards as soon as the pass expired or ?
Chase card bonuses are churnable (meaning you can get it again) every 24 months from when the bonus posted to the account. So, yes, you and your dh could set up a way for each of you to get the CP every 2 years.
No, I actually canceled them before he had even held them for a year. He is already bugging me to close mine especially after the fraudulent charges we just had.
I love my SW card and don't really want to cancel it
Is there a card you would recommend to take its place? Ink? Sapphire? And how soon can I cancel DH's new SW cards? I assume you don't lose your points or CP status once they post to the RR account, correct?
I love my SW card and don't really want to cancel it
I highly recommend you ask these questions on the 'I love credit cards' thread as there are some very knowledgeable people on there who would love to help guide you to what card is best for your needs. The Sapphire preferred and Sapphire reserve are much better earners than the SW and the points can be transferred 1:1 to SW Same for the Ink!
I have been following (sort of--pretty much a novice) that thread lately and have learned a lot. It's hard for me to let go of my SW card, LOL, but you've given me incentive to give it a go. Thanks!I was a SW only for many years and then my eyes were opened to how many wonderful CC's are out there that earn far better rewards
You will not lose your SW points if you cancel the cards because they are attached to your RR account and not to the credit card.
