Traveling with six & credit cards for four: a Card Talk intervention

4

Frequent Miler’s Card Talk is a new bi-weekly series in which Nick and I meet with a reader to do a credit card intervention.  What credit cards should you get and which should you dump?  Our goal is to help!  We started Card Talk originally with a test card intervention with reader Jim.  Jim had way too many credit cards with high annual fees.  We successfully talked Jim through almost $3,000 in savings!  Read about the original Card Talk episode here: Saving $2,897 in annual fees: a Card Talk intervention.

Meet Jennifer & family

Jennifer applied to be a guest on Card Talk with this submission:

Two player mode here with one college student just starting in. We started Dec of 2016 after paying way too much for an Italy vacation. We’ve since taken all six if us to Disney World and Egypt and spent a nice week without kids in Jamaica all on points. Last year’s points were for a family trip to California and a couples trip to Ireland with friends, both on hold. This last few months we’ve lost focus and need some re-direction. What is worth paying the fee on, where should we be putting spend, how can we cycle in a second college student?
Travel goals:
Europe (two weeks) for all six of us
Prague and Budapest for just us
Sending one of the college kids to Oxford for a semester
Extended family beach trip (need an easy plan to share with novice family members.)

We thought Jennifer’s case would be interesting because it involves both a tough challenge (how to earn enough points to travel with 6 people), and a great opportunity (two kids are old enough to sign up for credit cards!).

After speaking with Jennifer, here were our recommendations…

Dump almost $1,400 in card fees

Two Sapphire Reserve cards

Jen and her husband each have their own $550 Sapphire Reserve card.  It sounds like they do get good value from having one card, but there’s no reason to have two.

Advice:

  • When the annual fee comes due, downgrade one Sapphire Reserve card to the no-fee Chase Freedom Unlimited (1.5X everywhere) or no-fee Freedom (5X in rotating categories)
  • Move points from all other Chase Ultimate Rewards cards to the one remaining Sapphire Reserve account so that the points will be worth the maximum value possible.

Savings:

$550 per year (or $250 per year if you account for the $300 travel credit they won’t get).

Ink Business Preferred

Jen’s husband picked up the $95 per year Chase Ink Business Preferred card early this year.  This card consistently offers one of the best welcome bonuses around, but its perks (such as 3X for travel and the ability to transfer points to partners) are mostly redundant since the couple plans to keep a Sapphire Reserve card.

Advice:

  • When the annual fee comes due, cancel (after moving all points to the Sapphire Reserve account) or downgrade to the no-fee Chase Ink Business Cash (5X categories) or the no-fee Chase Ink Business Unlimited (1.5X everywhere).
  • This advice assumes that Jen’s husband doesn’t highly value the Ink card’s cell phone protection which is the card’s one feature that beats the Sapphire Reserve.

Savings:

$95 per year.

Two Delta Platinum cards

Jen and her husband each have their own $250 Delta Platinum card.  Neither is seeking Delta elite status so the only real value to the card for them is the ability to get free checked bags and the annual companion ticket.  It’s unclear whether they’ll consistently use the companion ticket for good value.

Advice:

  • When the annual fee comes due for each card, wait for the companion ticket to appear in your Delta account and then cancel the Delta Platinum card.  When using the companion ticket, you have to pay with an American Express card, but it doesn’t have to be a Delta Platinum card.
  • After cancelling the Platinum card, if you need free checked bags with Delta, consider signing up for the $99 Delta Gold card (ideally when there’s a 60K or higher offer available).  After a year with the Gold card you can decide whether to keep as is, upgrade to the Platinum card, or cancel.

Savings:

$500 per year if both cards are cancelled (or $400 per year if Jen or her husband ends up getting a Delta Gold card)

Citi AA Platinum card

Jen’s husband has a fairly new Citi American Airlines card.  While the first year was free, Citi will start charging $99 per year upon renewal.

Advice:

  • When the annual fee comes due, convert the card to the no-fee Citi Double Cash card.  The Double Cash card is an awesome one to have, but it usually has no welcome bonus so this is a great way to get the card.
  • In the future, Jen’s husband may also be interested in picking up the Citi Premier and Citi Rewards+ cards in order to setup the awesome trio of cards that I wrote about previously here: Citi’s awesome trio: Double Cash, Premier, Rewards+

Savings:

You could say that we saved Jen $99 per year, but it sounds like converting to the Double Cash was her plan all along, so we won’t count this one!

Southwest Cards

Late last year, Jenn signed up for both the $199/year Southwest Performance Business card and the $149/year Southwest Priority card.  She signed up for those cards in order to earn the Southwest Companion Pass.

Advice:

  • Jen values the Priority card’s perks more than the annual fee so she’ll keep the card.  Those perks include: 7,500 anniversary points each year; $75 Southwest annual travel credit; Four A1-15 boardings every year; and 20% back on in-flight drinks, Wi-Fi, messaging, and movies.
  • We recommended cancelling the Southwest Performance Business card since it doesn’t offer any meaningful perks above the other card other than 9,000 points per year.

Savings:

$199 per year.

Hilton Cards

Jen and her husband each have the $450/year Hilton Aspire card.  Jen says that they get full value from the cards’ $250 in airline incidental fees and the $250 in resort credits.

Advice:

  • Even though the annual fees are steep ($450 x 2 = $900), Jen and her husband each get $500 back per year from the airline and resort credits, plus they each get a free weekend night good at almost any Hilton in the world.  And they each get top-tier Hilton Diamond status!  These cards are keepers.

Savings:

None.

New cards & opportunities

With two kids in college, ages 18 and 19, there are four adults in the family who can sign up for credit cards.  Currently all four are well under 5/24 and so are eligible for new Chase cards.

Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months.

To determine your 5/24 status, see: 3 Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.

After talking with Jen, we identified four objectives:

  1. Start building second oldest daughter’s credit so that she can earn welcome bonuses
  2. Get two Southwest Companion Passes at a time.  This will make it possible to fly the family of six for the price of four.
  3. Continue to build up the family’s Chase Ultimate Rewards points
  4. Start earning Amex Membership Rewards points

Build teen credit

Once a kid turns 18, they are eligible to sign up for credit cards.  That doesn’t mean that they’ll get approved though.  I always recommend that 18 year olds start with the Discover It Student card as their first card.  Jan’s 19 year old already has that card.  Jan should encourage her 18 year old to sign up for the card right away.  Of course, she also ought to help her daughter learn to handle credit responsibly.  That’s outside of the scope of this card intervention, but important nevertheless.

Jan can also help her two youngest children (age 14) to begin building credit by adding each as an authorized user.

Please see these posts for more detail:

Southwest Companion Passes

In most cases, the easiest way to get the Southwest Companion Pass is to wait until late in the year (October or November) and sign up for both a business and consumer Southwest card.  Southwest credit card welcome bonuses change regularly and it is often possible to earn the required 125,000 points from two bonuses.  But, when signing up late in the year, you don’t want to meet the spend requirements just yet.  Wait until January to meet the spend requirements so that the points will post in January.  In this way, you get a Southwest Companion Pass good for as many flights as you want for the rest of that year and all of the next.  In other words, by timing it carefully, it’s possible to earn a companion pass that is good for nearly two full years.

There are some complications with trying to do this repeatedly.  One problem is that once you are over 5/24, Chase won’t approve you for any additional cards until you drop below 5/24.  Another problem is that you cannot get a new cardmember bonus if you’ve received a bonus for a Southwest card in the past 24 months.  This latter problem can throw off the ideal timing described above.

Assuming that Jen’s companion pass is good until the end of 2021, the family can start a companion pass rotation that looks something like this in order to keep 2 companion passes at all times:

  • Jan 2021:
    • Jan’s companion pass is good for the rest of the year
    • Husband acquires companion pass good until end of 2022 (by signing up for cards in November 2020)
  • Jan 2022
    • Jan’s companion pass is expired
    • Husband’s companion pass is good for the rest of the year
    • Oldest daughter acquires companion pass good until end of 2023 (by signing up for cards in November 2021)
  • Jan 2023
    • Husband’s companion pass is expired
    • Oldest daughter’s companion pass is good for the rest of the year
    • Second oldest daughter acquires companion pass good until end of 2024 (by signing up for cards in November 2022)

There are many different ways to do this, but the above suggestion is designed to give extra time for the daughters to build up their credit so that they’ll be more likely to be approved when it’s their time to sign up.

The above plan assumes that the companion pass and associated credit card rules stay as they are today.  Of course, change happens regularly and so the plan will likely have to be adjusted to accommodate.

Ultimate Rewards

Regular readers know that we are big fans of transferable points programs like Chase Ultimate Rewards, Amex Membership Rewards, and Citi ThankYou Rewards.  When you build up points in these programs, you are then free to take advantage of sweetspots, award sales, and other opportunities that pop in in a variety of loyalty programs.

Jen and her husband currently have 150,000 Chase Ultimate Rewards points.  We think they should get more.  One good way to get more Ultimate Rewards points is to sign up for Chase Ink cards.  Chase offers three different Ink cards and all three have great welcome bonuses:

Card Offer
Ink Business Unlimited® Credit Card
90K points
Best Offer Ever - 90K after $6K spend in 3 months

No Annual Fee

See: How to sign up for Chase Ink cards

Recent better offer: None. This is the best we've seen.

Ink Business Cash® Credit Card
90K points
Best Offer Ever - 90K after $6K spend in 3 months

No Annual Fee

See: How to sign up for Chase Ink cards

Recent better offer: None. This is the best we've seen.

Chase Ink Business Preferred Card
100K points
100K after $15K spend in 3 months

$95 Annual Fee

See: How to sign up for Chase Ink cards

Recent better offer: 80K after $5K spend. Many preferred the 80K offer due to the much lower spend requirement

Even though the Ink Business Preferred card has an eye popping 100K offer, that’s not the one we recommend at this time.  Chase has been harder on business card approvals lately.  And it has long been more difficult to get approved for the Ink Business Preferred than either of the no-fee Ink cards.  Plus, the no-fee card offers have much lower spend requirements.

My bet is that Jan and her husband could each pick up an Ink Business Cash card now and that she can pick up an Ink Business Unlimited card later in the year.  If her husband plans to sign up for Southwest cards at the end of this year (see the Southwest section, above), then he shouldn’t go for a second Ink card.  If this plan goes well, Jan and her husband will add another 150,000 points to their Ultimate Rewards mix (plus points earned through spend) by signing up for those three cards.

Towards the end of this year, their oldest daughter may want to try getting one of those 50K Ink offers too.  You can read about how my son signed up for a Chase Ink card as a college sophomore, here: Chase Business Ink as a student starter card.  Please click through to read that post for a discussion about how students can apply for business cards.

If the oldest daughter does successfully get an Ink card, she could move her points to her parent’s Sapphire Reserve card account in order to maximize the value of the points.  Note that with multiple people in a household wanting to move points, you may have to create a loop.  For example, the daughter transfers points to Jan’s account and Jan transfers points to her husband’s account (if her husband has the Sapphire Reserve account, for example).  Nick detailed this process in our Ultimate Rewards Guide, here.

Amex Membership Rewards

Jan and her family haven’t yet gone after Membership Rewards points, but we think they should.  There are many different cards that offer Membership Rewards points and since each is a different product, it’s theoretically possible for one person to sign up for each and every one.  This means that a single person could pull in many hundreds of thousands of points on their own.

Interestingly, a couple working together can pull in more points than two people working alone.  This is true because you can get points for referring each other.  For example, Jan can sign up for the Business Platinum card and then refer her husband, and then her husband can refer her to another Amex card.  With each referral, the person who sends the referral earns a referral bonus (sometimes as high as 20,000 points) and the person who receives it is eligible for a full welcome bonus.  For details, see: Maximizing value from Amex multi-referrals.

In general, Jan and her family should concentrate mostly on signing up for business cards since those won’t add to their 5/24 count.  That said, we recommended that Jan take a look at the Amex Gold card to see if it is a good fit for her family.  With its 4X category bonuses, it’s one of the best point earning cards around for those who spend a lot at supermarkets and restaurants.

Here’s the list of currently available Amex Membership Rewards offers (make sure to click “Next” to see more):

Card Offer and Details
The Platinum Card® from American Express
150K points
150K after $6K spend in 6 months. Terms apply.

$695 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Resy Offer: 100K after $6K spend in 6 months plus 10x dining for 6 months on up to $25K spend. Terms apply.

Recent better offer: 125K after $6K in the first 6 months + 15x when you Shop Small in the US and at restaurants worldwide on up to $25K in eligible purchases in the first 6 months [Expired 1/20/22]

FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more.


Card Type: Amex Pay Over Time Card

Base
Travel

Earning rate: 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X points for prepaid hotels booked through American Express Travel

Noteworthy perks: ⚬ $200 Airline Fee Credit. Up to $200 a year in baggage fees and more at one qualifying airline ⚬ $200 prepaid hotel credit annually valid on Fine Hotels & Resorts and The Hotel Collection bookings. ⚬ Up to $300 in Equinox credits. ⚬ Up to $20 per month rebate for select digital entertainment services (NY Times, ESPN+, Disney+, Hulu, Peacock, Sirius XM, Audible) ⚬ $189 CLEAR fee reimbursement annually. ⚬ Up to $200 for Uber rides annually. Credit and Uber VIP status for Basic Member only ⚬ $300 credit when buying a SoulCycle bike directly from SoulCycle (up to 15 bikes per year) ⚬ $12.95 monthly credit for Walmart+ monthly membership subscription credit. ⚬ Complimentary Uber Eats Pass Membership for up to 12 months (must enroll by 12/31/21) ⚬ Up to $100 in credits annually for purchases at Saks Fifth Avenue (up to $50 in credits semi-annually, enrollment required) ⚬ $100 Global Entry fee reimbursement or $85 TSA Precheck reimbursement once every 5 years ⚬ Airport lounge benefits ⚬ Rental car elite status ⚬ Marriott Gold status ⚬ Hilton HHonors Gold status ⚬ Free Gold card AUs. Terms Apply. (Rates & Fees)

See also: Amex Platinum Guide

The Platinum Card® from American Express Exclusively for Morgan Stanley
125K points
125K after $6K spend in first 6 months. Terms apply. (Rates & Fees)

$695 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: 100K points + 10x when you Shop Small in the US & at restaurants worldwide [Expired 1/20/22]

FM Mini Review: In my opinion, this is the best of the consumer Amex Platinum cards when you need two cards thanks to Morgan Stanley offering one free authorized user. Unfortunately you do need to have a Morgan Stanley account to apply.


Card Type: Amex Pay Over Time Card

Base
Travel

Earning rate: ⚬ 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X prepaid hotels booked with American Express Travel

Big spend bonus: $500 after $100K cardmember year spend

Noteworthy perks: This card includes all of the great perks that come with the American Express Platinum Card, plus: ⚬ 1 Free Authorized User ⚬ Redeem points for 1 cent each into your Morgage Stanley account ⚬ $550 Annual Engagement Bonus for Reserved Clients

See also: Amex Platinum Guide

The Business Platinum Card® from American Express
120K points
120K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees)

$695 Annual Fee

Alternate offer: Targeted online offer of 170K points after $15K spend in the first 3 months See this post for details.

Recent better offer: 150K after $20K Spend (Targeted)

FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more.


Card Type: Amex Pay Over Time Card

Base
Travel
Other

Earning rate: 5X flights and prepaid hotels at AmexTravel.com ⚬ 1.5X points per dollar on eligible purchases of $5000 or more (on up to $2 million of those purchases per year) ⚬ 1.5x on US construction/hardware stores, US electronic goods, and US shipping ⚬ 1X elsewhere ⚬ Terms apply.

Noteworthy perks: Up to $200 a year in statement credits for airline incidental fees ⚬ Up to $400 a year in statement credits for Dell purchases ($200 Jan-June; $200 July-Dec) ⚬ Up to $120 in wireless services credits per year ($10 per month) ⚬ Up to $360 per year in credit with Indeed (up to $90 per quarter ⚬ Up to $150 per year in purchases with Adobe for annual prepaid plans for eligible Creative Cloud for teams and Acrobat Pro DC with e-sign ⚬ $100 Global Entry fee reimbursement.⚬ Airport lounge benefits ⚬ Rental car elite status ⚬ Marriott Gold status ⚬ Hilton Gold status. ⚬ $189 CLEAR fee reimbursement annually ⚬ 35% Airline Bonus: Get 35% points back after you Pay With Points for flights with your selected airline (or premium cabin with any airline). Enrollment required for select benefits

See also: Amex Platinum Guide

American Express® Gold Card
90K points
90K points after $4K in purchases in the first 6 months. Terms apply. (Rates & Fees)

$250 Annual Fee

FM Mini Review: This card offers an awesome return on US supermarket and worldwide dining spend, putting it at or near the top-of-class in both categories. Dining credits and Uber / Uber Eats credits go a long way towards reducing the sting of this card's annual fee.


Card Type: Amex Pay Over Time Card

Base
Travel
Dine
Grocery

Earning rate: 3X points for flights booked with airlines or on amextravel.com ⚬ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ⚬ 4x at restaurants worldwide ⚬ 1X points on other purchases. Terms apply. (Rates & Fees)

Noteworthy perks: Up to $10 in statement credits monthly with participating dining partners (Goldbelly, Wine.com, Milk Bar, Shake Shack, Seamless/Grubhub, Cheesecake Factory) ⚬ $10 monthly Uber or Uber Eats credit (use it or lose it each month) ⚬ $100 hotel credit on qualifying charges on stays of 2 nights or longer, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc ⚬ Enrollment required for select benefits.

The Platinum Card® from American Express for Schwab
100K points
100K after $6K spend in first 6 months. Terms apply. (Rates & Fees)

$695 Annual Fee


Card Type: Amex Pay Over Time Card

Base
Travel

Earning rate: ⚬ 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X points for prepaid hotels booked through American Express Travel

Noteworthy perks: This card includes all of the great perks that come with the American Express Platinum Card, plus: ⚬ Use Membership Rewards® points for deposits by Schwab to your eligible brokerage account. (For example, 10,000 points = $110) ⚬ $100 credit with Schwab holdings of $250,000+ or $200 credit with holdings of $1,000,000+ on approval & each year.

See also: Amex Platinum Guide

American Express® Green Card
50K Points + up to $150 back
50K after $2K spend in first 6 months plus 20% back as a statement credit on restaurant purchases worldwide for the first 12 months up to $150 back. Terms apply. See Rates & Fees

$150 Annual Fee

FM Mini Review: This card is worth considering as your go-to travel card, but only if you value its CLEAR and Lounge Buddy credits. Also note that Amex cards continue to have limited acceptance in many international destinations.


Card Type: Amex Pay Over Time Card

Base
Travel
Dine

Earning rate: ⚬ 3X on travel & transit (including flights, hotels, taxis, and rideshares) ⚬ 3X dining ⚬ 1X points on other purchases. Terms apply. See

Noteworthy perks: $100 CLEAR credit annually ⚬ $100 LoungeBuddy credit annually ⚬ Complimentary Uber Eats Pass Membership for up to 12 months (must enroll by 12/31/21). Terms Apply.

American Express® Business Gold Card
70K Points
70K points after $10K spend in 3 months. Terms apply. (Rates & Fees)

$295 Annual Fee

Alternate offer: Some are targeted for an offer of 130K points after $10K in purchases in the first 3 months. You can see this post for more details Targeted Business Gold offer for 130K (Highly YMMV)

Recent better offer: 70K points + up to $300 in statement credits: 70K points after $10K spend in 3 months + up to $150 in statement credits for US shipping purchases and up to $150 in statement credits US advertising purchases. [Expired 4/7/21]

FM Mini Review: This card is pricey for one with few perks. Keep only if you make good use of one or two 4X categories.


Card Type: Amex Pay Over Time Card

Base
Travel
Dine
Gas
Biz

Earning rate: Earn 4X on the two categories where your business spends the most each billing cycle from the following categories: ⚬ US purchases at restaurants ⚬ Airfare purchased directly from airlines ⚬ U.S. purchases for advertising in select media ⚬ U.S. purchases at gas stations ⚬ U.S. purchases for shipping ⚬ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 4X applies to first $150,000 in combined purchases in your two categories each calendar year, 1X point per dollar thereafter and on other purchases. Terms apply.

Noteworthy perks: 25% Airline Bonus: Get 25% points back after you Pay With Points for flights with your selected airline (or premium cabin with any airline). Terms Apply. (Rates & Fees)

The Blue Business® Plus Credit Card from American Express
15K points
15K after $3K spend in 3 months. Terms apply. (Rates & Fees)

No Annual Fee

Alternate offer: Some people have been targeted for an offer in their online account for 75K points after $15K in purchases in their first 12 months.

Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17)

FM Mini Review: 2X rewards for all spend (up to $50K per year) with no annual fee makes this card a winner.


Card Type: Amex Credit Card

Base

Earning rate: 2X Membership Rewards points on all purchases, up to $50K spend per calendar year (then 1X thereafter). Terms apply. (Rates & Fees)

Business Green Rewards Card from American Express

Card Type: Amex Pay Over Time Card

Base
Travel

Earning rate: ⚬ 2X at AmexTravel.com ⚬ 1X points on other purchases. Terms apply.

Noteworthy perks: None

The Amex EveryDay® Credit Card from American Express

FM Mini Review: Great choice for keeping Membership Rewards points alive if you choose to cancel other Membership Rewards earning cards.


Card Type: Amex Credit Card

Base
Grocery

Earning rate: ⚬ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ⚬ 1x on other purchases

Noteworthy perks: ⚬ Make 20 or more purchases in a billing period and get 20% more points, less returns and credits ⚬ Points transferrable to many airline programs (unusual feature for no-fee card) ⚬ Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.24% to 24.24% ⚬ $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening. Terms apply. See Rates & Fees

The Amex EveryDay® Preferred Credit Card from American Express
15K Points
15K after $1K spend in 3 months. Terms apply.

$95 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Some people click through and find that they are targeted for an offer of 30K points after $2K spend in 3 months.

Recent better offer: 30K after $2K in first 3 months

FM Mini Review: Thanks to the 50% bonus on points earned, this is, in my opinion, one of the strongest mile-earning cards available.


Card Type: Amex Credit Card

Base
Gas
Grocery

Earning rate: ⚬ 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x) ⚬ 2x points at US gas stations ⚬ 1x points on other purchases.

Noteworthy perks: Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and get 50% more points on those purchases less returns and credits. Terms apply. See Rates & Fees

Conclusion

There’s so much more to consider about Jan and her family’s situation and how to maximize opportunities.  For example, if Jan ends up getting the Gold card (which offers 4X dining), should she consider dumping the one remaining Sapphire Reserve card (3X travel & dining) and instead keeping an Ink Business Preferred as a way to keep 3X travel?  But, we try to keep these Card Talk Interventions to about an hour, so we left things where we did.

Overall, I think we helped Jan with concrete plans for cancelling cards, and general go-forward plans for establishing her second daughter’s credit, earning new Southwest Companion Passes, increasing their Chase Ultimate Rewards totals, and amassing Amex Membership Rewards.

Watch the Video

Want to see the complete Card Talk conversation with Jen?  You can view it here:

How to participate in Card Talk

If you’re interested in participating in a future Card Talk, please leave a comment on our Card Talk page.

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[…] appealed to us because we spent the first couple of Card Talk episodes with Jim and then Jen focusing more closely on trimming down wallets that had gotten a little unruly with annual […]

ktenorman

This is awesome! Keep up the great content.

Dima

Even if they have a business that’s not a sole prop it’s going to be a challenge to open multiple business cards with Chase. Several DPs on reddit about people with legit businesses, that have years of verifiable business documentation, going through 1hr+ reviews and often being rejected.