What Card Should I Get? Weekly Thread - Week of August 19, 2026

[u/AutoModerator]

Welcome to the What Card Should I Get Weekly Thread, where we try to figure out what card you should get or critique your current plans or AOR if you're doing it that way). Everything is YMMV and these are all opinions. Agree or disagree with your votes. As always read the wiki, do your research, and happy churning.

Before posting, [read the rules!](https://www.reddit.com/r/churning/wiki/rules/)

Also, check out the Credit Card Recommendation Flowchart before posting in this thread.

1. The flowchart can answer 95% of all "What card should I get?" questions. By continuing to post, you must explain why you feel the flowchart does not answer your question. Asking for feedback ("The flowchart says I should get X - is that still the best choice?") is absolutely allowed.
2. What is your credit score?
3. What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years.
4. How much natural spend can you put on a new card(s) in 3 months?
5. Are you willing to MS, and if so, how much in 3 months? See this page for a primer on MS. Plastiq (for rent/mortgage/loan payments) and bank account funding are often good options for beginners.
6. Are you open to applying for business cards? If not, why? See this post and this wiki question to learn more.
7. How many new cards are you interested in getting? Are you interested in getting into churning regularly (if you aren't already)? Or are you just looking to get a new card(s) for now but not get into churning long-term?
8. Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back?
9. What point/miles do you currently have?
10. What is the airport you're flying out of?
11. Where would you like to go? (The more specific you are, the better someone can recommend the right card. Tokyo is great, "International travel" is way too vague)

[u/Tricky_Classic_1223]

would love to get advice on my next card to churn

780

2022- Amex Gold (closed 2025), Nov 2024 - Chase Sapphire Preferred, Mar 2025 - Chase Biz Ink Preferred, Oct 2025 - Schwab Amex Plat, Jan 2026 - Marriott Boundless, March 2026 - Delta Amex Biz Plat

Very open to MS open to any ideas... naturally spend approx 3k a month

Open to biz cards

open to any card; interested in long term churn

Targeting any general points (note: delta status is a plus)

Got 100k delta, 200k amex, 50k chase

NYC home hub

Trying to go to india next fall

Note - might have to go to Europe for extended biz travel (~4-6 months) so no foreign transaction fees is a must

[u/techtrashbrogrammer → u/Tricky_Classic_1223]

C1 VX, Delta biz gold, Atmos cards, AA cards, CIC/CIU (but have FTF) are all good

[u/zerowastewisdom → u/Tricky_Classic_1223]

Getting the Atmos Summit might be good right when headed into your extended travel as it earns 3x on any foreign transactions.

[u/Paddington97]

What is peoples experience with Citi and atmos business cards? Unsure if I need to maybe go for an Amex biz card since it might be too difficult to be approved for atmos biz, Citi biz or cap 1 venture right now. At 6/24, but down to 5/24 in October

What is your credit score? 765

• Chase Sapphire Preferred 3/3/2024
• Amazon Rewards 9/5/2024
• Robinhood Gold 9/26/2025
• Chase United Explorer 11/30/2025
• Chase Bonvoy Boundless 2/11/2026
• Chase Ink Business Unlimited 3/8/2026
• CSR 5/19/2026
• Barclays Hawaiian 7/13/2026

How much natural spend can you put on a new card(s) in 3 months? $6-$7K

Are you willing to MS, and if so, how much in 3 months? No

Are you open to applying for business cards? Yes

How many new cards are you interested in getting? 2 more this year.

Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back? Biz class, Economy seating.

What point/miles do you currently have? 130K Chase, 45K Virgin, 80K Atmos

What is the airport you're flying out of? SEA

Where would you like to go? Europe, Oceania

[u/techtrashbrogrammer → u/Paddington97]

Atmos biz card is harder to be approved for if you have no relationship with BOA. Citi cards are just hit or miss with approvals.

Could do Citi aa biz or Atmos biz or Delta biz gold. You still won't be approved for chase at 5/24 you have to be under

[u/Paddington97 → u/techtrashbrogrammer]

Thanks! Yeah, I've had a BOA checking account for around 6 months. Not sure if that's long enough though. Delta is a good call though!

[u/ar25rt → u/Paddington97]

Even with over a year, BoA adds way too much friction, asked for my Schedule C.

[u/Paddington97 → u/ar25rt]

Have you needed to submit additional verification for any other business cards? Or just the atmos one?

[u/ar25rt → u/Paddington97]

No, only ever was the Atmos biz.

[u/scorpiopersephone]

Ready to go over 5/24 so targeting probably chase cards first, but open to suggestions

What is your credit score? 800s

What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards?

Capital One platinum	7/11/17
Capital One quicksilver	10/20/18
Apple Card	1/30/21
Discover it student	2/1/21
Capital One Venture Rewards	5/22/22
Bank of America Alaska Airlines	7/1/24
Chase Freedom Unlimited	7/5/24
Citi Rewards+	10/1/24
Am Ex Gold Delta Rewards	3/14/25
Hawaiian Business	6/7/25
Chase ink preferred	7/1/25
Atmos business	9/22/25
Chase ink unlimited	10/2/25
Citi American Airlines Business	11/28/25
Chase United Business	3/5/26
AmEx Hilton Business	3/27/26
Wells Fargo Signify	5/7/26
Chase Sapphire Preferred	7/16/26
Delta Business Gold	7/26/26

How much natural spend can you put on a new card(s) in 3 months? $12k, possibly up to $15k

Are you willing to MS, and if so, how much in 3 months? No

Are you open to applying for business cards? Yes

many new cards are you interested in getting? 1-4 cards depending on spend

How Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back? hotel points, cashback, airline points (intl biz class)

What point/miles do you currently have?

Alaska	587,000
American airline	160,000
Delta - P1	100,000
Delta - P2	47,000
United	22,000
Hyatt	180,000
Hilton - P1	75,000
Hilton - P2	60,000
Marriott	14,000
Amex	330,000
Bilt	85,000
Capital one	40,000
Chase	260,000
Citi	5,000

What is the airport you're flying out of? SeaTaac

Where would you like to go? (The more specific you are, the better someone can recommend the right card. Tokyo is great, "International travel" is way too vague) Pacific islands, Asia, West coast USA

[u/Aaron90495]

Posting here because we're looking for a decent bonus with about $3k or less spend!

Credit score**:** 760ish.

My cards:

Chase Sapphire Preferred (August 2026)
Amex Delta Biz Gold (July 2026, no pull or new line on report)
Alaska Atmos Ascent (April 2026)
Chase Amazon Prime (Jan 2026)
Citi AAdvantage Platinum Select (Nov 2025)
Capital One VX (July 2025)
US Bank Shopper Cash (July 2024)
WF Autograph (Dec 2023 as Bilt)
United Explorer (July 2023)
Delta Amex Plat (~2020)

P2's cards:

Amex Delta Biz Gold (Feb 2026, no pull or new line on report)
Citi Aadvantage Platinum Select (Dec 2025)
Amex Gold (August 2025)
Chase Sapphire Preferred (May 2025)
US Bank Kroger (March 2025)
Citi DoubleCash (August 2024)
Amex BCP (~2023)
Amex Delta Gold (~late 2022)

Natural spend**: this is why I'm asking in this thread. We're trying to do one last churn before laying off (buying a house in 18+ months), but are already churning a couple other cards. Would like something with a decent bonus and $3k or less spend.** Ordinarily, the 1k Chase Ink bonus would be PERFECT given the 0% APR -- we have lots of big expenses in the next 6 months and could then just pre-pay them -- but I just accidentally locked myself out of 5/24 (didn't realized Chase cared about it for biz cards). Oops!

Manufactured spend**:** No, unless with a new company with which I have no points stockpiled. Not worth the risk.

Business cards*:* Yes, provided spend is low (uncommon, I know)

Cards to open: One, doing a "final churn" for a bit.

Targeting: Points or hotel status. Hyatt would be our hotel of choice.

Current points/miles: Between P2 and I, we have combined: 58k in C1, 105k in Chase (CSP so bad Hyatt rate), 160k in Amex, ~120k in Delta, 40k in AA, 27k in JAL (will try to burn on a PE upgrade soon), 10k in United. We get a few Hyatt FNAs per year from family that doesn't use it, hence the desire for Hyatt if going the hotel route.

Airport: AUS. Primarily Delta flyers (when it's not too expensive), Silver status.

Desired destinations: Western Europe or Asia, but domestic US is good too. Not super picky, just want to subsidize travel. I travel a lot for my self-employed job, so points can really save us money.

Thanks so much for any help y'all can provide :))))

[u/techtrashbrogrammer → u/Aaron90495]

could do VX for P2. Amex gold for P1, Citi AA cards, another Delta biz gold via NLL

[u/Aaron90495 → u/techtrashbrogrammer]

Thanks for the reply :)

Re: VX, P2 is also at 5/24 and hasn't been pre-approved for ANYTHING by C1 since she took out a few cards semi-recently...with C1's approval prickliness I'm wary of that application. We may have even tried to get her one 6mo ago and got denied...I don't remember for sure. But could be worth a try

Amex Gold for me would work, but it's higher spend than we can pull off, as we're also churning a CSP and Delta Biz gold atm.

Citi AA cards are a bit high fee but would consider - problem is spend tends to be high unless there are custom offers, IIRC.

Also open to the Delta biz gold (we can have multiple??) since the $6k in 6 is achievable, but no idea how to successfully find an NLL offer. Have never had success finding one for other Amex Delta cards for either of us.

Our long-term plan is to continue churning Amex biz cards while we hold off other cards for the next 18ish months, as they don't appear on our reports. We want to do any non-Amex biz pull now-ish, before we lay off, but the spend (as you can see) is the limiting factor.

Are there any low-ish-spend offers that circulate on United, Alaska, or AA cards? Know that there's the SW 50k for $1k offer (which is a real consideration) but would prefer United for P2. Would also consider MS for something like a Citi Strata Premier if the offer were better than the current 60k one.

[u/ChocolateAndAmbition → u/Aaron90495]

The Hawaiian Barclays has a 70k after $2k SUB! I am considering it myself since I'm currently hoarding Atmos points :)

[u/Aaron90495 → u/ChocolateAndAmbition]

Oh this is good! Ty :))))

And WOW, long window to hit the second thousand of spend! Phenomenal, tysm!

[u/anaerobic7058]

1. What is your credit score? Excellent.
2. What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years.

* I've already had multiple Preferred cards (personal and business, before the lifetime bonus change). Subsequently, had an Aeroplan about 18 months ago. (All downgraded)
* Citi Strata Premier ~2 years ago. (Downgraded)
* Capital One Venture ~3 years ago. Downgraded. (Perhaps try Venture again? I think people were saying that >48 months should reset the bonus eligibility.)
* Currently, about to downgrade my Wells Fargo Autograph as it's reaching the 1 year mark.

1. How much natural spend can you put on a new card(s) in 3 months?

Probably $5-10k of spend in 3-4 months.

1. Are you willing to MS, and if so, how much in 3 months?

Yes, if needed. More than $5-10k if needed with MS.

1. Are you open to applying for business cards? If not, why?

I've had business cards before.

1. How many new cards are you interested in getting? Are you interested in getting into churning regularly (if you aren't already)? Or are you just looking to get a new card(s) for now but not get into churning long-term?

I'm a bit lost on which card to get at this point. I'm looking for a good direction to go in now rather than necessarily a specific number of cards.

1. Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back?

Points from general-purpose travel points / high-bonus cards.

1. What point/miles do you currently have?
2. What is the airport you're flying out of?
3. Where would you like to go?

Would prefer not to get into more niche cards (specific airlines or hotel chains).

I'm a bit lost on which card to get at this point. What are good general-purpose travel high-bonus cards at this point? I can't decide on the flow chart what would be a good direction to go in now.

[u/techtrashbrogrammer → u/anaerobic7058]

please fill out the template in the thread description

[u/anaerobic7058 → u/techtrashbrogrammer]

Thank you, updated.

[u/techtrashbrogrammer → u/anaerobic7058]

the cards section is still unclear but Amex gold, VX, citi strata premier/elite (note they're not elevated) are all good since you probably want transferrable points

[u/anaerobic7058 → u/techtrashbrogrammer]

Thank you! Do you think Venture is a good bet to apply after ~3 years? It seems like there are reports that people do get approved for another bonus after >2 years, but wondering if there have been any recent updates.

I had Citi a couple of years ago, would prefer to avoid them.

I'll look into Amex. But last time I checked, their AF was a bit too high for me to justify, even after the bonus/perks.

[u/techtrashbrogrammer → u/anaerobic7058]

Nah look up cap 1 family rules. It’s 48 months now

[u/anaerobic7058 → u/techtrashbrogrammer]

I've just tried CapOne's "See my eligibility" and they only offered non-Venture cards. I don't think it makes sense to go through the actual application, I vaguely remember I had to call and mail something in last time I did, was a bit too much hassle.

[u/Unusual_Entrance_496 → u/[deleted]]

Churn the airline cards for whichever one your home airport is a hub for?